FinTech companies live where financial regulation meets fast-moving technology, and that intersection is where the legal risk concentrates. We work with fintech founders, growth-stage companies, and established players on the questions that come up from formation onward, from licensing and product compliance to the IP and commercial deals that drive the business. Our engineering background means we understand your stack and your roadmap.
Working Through Regulation
Fintech regulation is dense, evolving, and rarely written with your product in mind. We advise on state and federal licensing, money transmission and payments rules, and lending and credit regulations. We structure bank partnership and BaaS arrangements that keep the chartered partner comfortable, and we flag securities law questions early, so a product launch does not run headfirst into a regulator you did not see coming.
Protecting Your IP
Your technology and brand are core to your valuation, and investors will look hard at both. We build patent and trade secret strategies around your platform, models, and methods, and protect your name and product marks through smart trademark filings. During financing and due diligence, we make sure your IP ownership is clean, including the rights coming from contractors and the open-source components in your codebase.
Commercial and Platform Agreements
Fintech business models rest on a web of agreements that have to work together. We draft platform terms of service and user agreements, negotiate banking and BaaS partnerships, and structure embedded finance and API licensing deals. We handle the data sharing arrangements at the center of many fintech products, defining responsibilities and liability clearly so a partner relationship does not become your biggest exposure.