FinTech

Financial products are no longer built only by banks.

Today’s financial businesses may operate through payment rails, wallets, apps, embedded finance tools, digital banking products, alternative finance structures, tokenised instruments, stablecoins, APIs, marketplaces, investment products, custody solutions, or crypto-adjacent infrastructure. Each layer can change the legal position: what activity is regulated, who needs a licence, how customer funds are handled, what disclosures are required, how data may be used, where liability sits, and which jurisdictions the product can target.

Legal Strategy for FinTech and Next-Generation Finance

Aurum advises fintech companies, alternative finance platforms, payment businesses, digital asset projects, financial institutions, infrastructure providers and investors on the legal structures, regulatory strategy and transaction documents behind new financial products.

We help clients design, launch and scale financial products across markets. This includes corporate structuring, licensing strategy, regulatory analysis, payment and e-money arrangements, AML/CTF and sanctions compliance, user documentation, data protection, commercial contracts, investor documents and cross-border operating models.

From Product Mechanics to Legal Architecture

Fintech legal work should follow the product. The relevant risks depend on what the product does, who uses it, where customers are located, how money or assets move, whether customer funds are held, what role third-party providers play, and whether the business touches payments, lending, investment, custody, exchange, tokenised assets or other regulated activities.

We work with payment companies, neobanks, alternative finance platforms, wallets, fintech apps, investment and yield products, digital asset businesses, embedded finance providers, financial infrastructure companies and traditional financial institutions launching new products.

Clients come to us when they need counsel that can understand the product mechanics, identify the regulatory perimeter, and turn that analysis into legal structures, documents and controls that support launch, licensing, fundraising and growth.

Regulated, Non-Regulated and Hybrid Models

Not every fintech product needs to be built as a fully regulated institution. Some models can be structured outside regulated activity where that position is legally supportable. Others require a regulated entity, licensed partner, appointed representative model, safeguarding structure, controlled access layer, or separated regulated component.

Aurum helps clients determine where regulation applies, where it can be avoided by design, and where licensing or partnership with regulated providers is the better route. For many next-generation finance businesses, the right answer is not a single entity or a single regulatory position. It is a structure that separates product development, customer access, regulated activities, funds flow, data, IP, treasury, risk controls and commercial operations into components that can be defended, operated and scaled.

Navigating the Financial Regulatory Perimeter

Fintech businesses operate across multiple legal layers. A single product may raise issues under payment services regulation, e-money rules, banking law, lending regulation, securities or investment laws, fund regulation, VASP or crypto-asset regimes, AML/CTF requirements, sanctions, consumer protection, financial promotions, data protection, cybersecurity, tax, corporate law and outsourcing rules.

The risk is rarely found in one document or one jurisdiction. It can sit in the product flow, funds flow, custody model, user interface, marketing materials, customer classification, onboarding process, third-party provider relationship, cross-border access model, or licensing perimeter.

Aurum helps fintech and finance businesses build legal and compliance structures that can hold across these layers. This includes regulatory strategy, corporate structuring, licence and registration pathways, AML/KYC and sanctions procedures, user-facing documentation, risk disclosures, payment and provider agreements, data protection, governance, investor documentation and cross-border launch strategy.