Fintech

Legal infrastructure for fintech companies.

Your product moves money across borders. Your legal counsel should understand what that means — the licensing, the compliance, the overlapping regulatory regimes. Clarent is built for companies like yours.

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What we do for fintech.

Payment Licensing & Regulation

EMI applications in the EU, PSP licensing in Singapore, MSB registration in the US. We navigate the regulatory landscape so you can launch in new markets.

  • E-money institution (EMI) licensing
  • Payment service provider (PSP) applications
  • Money services business (MSB) registration
  • Regulatory sandbox applications

Cross-Border Payment Flows

Moving money across borders means navigating overlapping regulatory regimes. We structure payment flows that are compliant from end to end.

  • Multi-jurisdictional compliance mapping
  • Correspondent banking agreements
  • FX and remittance regulatory frameworks
  • Anti-money laundering (AML) programs

Token & Digital Asset Structuring

Whether you're issuing tokens, building on-chain products, or integrating digital assets into your platform, we handle the legal architecture.

  • Token classification and regulatory analysis
  • VASP licensing across jurisdictions
  • Terms of service for digital asset platforms
  • Custodial and non-custodial wallet compliance

Data Protection & Privacy

Financial data is the most regulated data. We build privacy frameworks that satisfy regulators in every market you operate in.

  • GDPR compliance for financial services
  • PDPA (Singapore) and DIFC data protection
  • PCI DSS contractual frameworks
  • Cross-border data transfer mechanisms

Commercial Contracts

The contracts that power your fintech — from banking partners to KYC providers to enterprise customers. Reviewed and redlined same-day.

  • Banking and processor agreements
  • KYC/AML vendor contracts
  • Enterprise MSAs and DPAs
  • API and integration agreements

Fund Structuring & Venture Capital

From SAFE notes to Series A, from fund formation to secondaries. Cross-border VC transactions with coordinated counsel.

  • SAFE and convertible note review
  • Priced round documentation
  • Cross-border fund formation
  • Cap table and equity structuring

Why fintech companies choose Clarent.

We understand your product.

Our founder spent 4.5 years as CLO of an international fintech. We've been on your side of the table — managing licensing applications, negotiating banking agreements, and coordinating counsel across jurisdictions. We don't need a primer on what a PSP is.

Cross-border is our default.

Fintech doesn't stop at borders, and neither do we. Clarent's affiliated counsel network means one firm coordinating your legal work across Singapore, DIFC, Europe, and beyond.

Speed matches your pace.

Contract reviews same-day. Regulatory memos within 48 hours. Flat fees confirmed before work begins. No waiting for partner availability or surprise invoices.

Building in fintech? Let's talk.

Tell us about your company and what you need. Flat-fee quote within hours.

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