Fintech

Fintech operates at the intersection of financial regulation, technology law and consumer protection, a space where the wrong licensing strategy or a missed compliance obligation can halt a product launch or trigger regulatory action. We advise payment institutions, electronic money institutions, open banking platforms, and embedded-finance providers on obtaining and maintaining the approvals they need to operate, whether under Türkiye's BDDK/TCMB framework, the EU's PSD2 and EMD2 regimes, or US money-services law.

Our cross-border practice means we can structure a single regulatory path that works across jurisdictions simultaneously, vital for fintechs that launch in one market and scale into others. We draft and negotiate the commercial agreements that underpin fintech products: BaaS arrangements, card-scheme contracts, agency agreements, and data-sharing frameworks. Where a client's product touches consumer data, we integrate KVKK, GDPR and CCPA compliance from the outset rather than retrofitting it after launch.

We also support fintech founders through the corporate lifecycle, from cap-table structuring and SAFE rounds to Series A term sheets and M&A exits, giving clients a single team that understands both the regulatory and the commercial dimensions of the business.