Innovation in financial technology is happening at a rapid pace and is changing everything from online shopping to sophisticated financial products. This convergence of the financial services industry and transformative technologies, commonly known as FinTech, is reshaping the landscape of all forms of commerce. These technologies are redefining what constitutes property, artwork and even money and are changing how we interact within a financial setting. Attorneys in Polsinelli's Chambers-ranked Fintech and Blockchain team understand the technology, the industry and its attending regulations to guide clients through this complex and fluid new frontier.

Our attorneys advise clients ranging in size from start-ups to established companies on how to best utilize, understand and develop financial technologies while navigating regulations in areas of innovation, including: 

 

  • App-based investing platforms
  • Artificial intelligence
  • Asset fractionalization
  • Decentralized finance (DeFi)
  • Enterprise technology
  • ePayments
  • Money services transmission
  • Payment processing technologies and regulations 
  • Roboadvisers

Polsinelli’s cross-disciplinary FinTech team ensures that clients benefit from practitioners who know how to apply cutting-edge financial technology to numerous areas of specialty.  This helps ensure that clients – whether they are seasoned financial institutions, non-financial companies looking to utilize FinTech, or even early-stage companies creating disruptive technologies – get the benefit of a team that understands the practicalities of applying the law of financial technology to all facets of a client’s business. Members of the FinTech team apply this specialized knowledge to a number of practice areas, including:

 

Members of the team are frequent speakers at conferences on blockchain technology, patents, regulatory and market structure issues.

  • Represented first blockchain-enabled security token crowdfunding platform to be approved by the SEC.

  • Advising early stage technology companies on a variety of securities regulatory and anti-money laundering compliance matters.

  • Represented real estate private equity fund sponsor in the formation of a blockchain-enabled, tokenized feeder fund.

  • Representing large tech company in updating its advertising policies for cryptocurrency exchanges and wallets.

  • Representing asset fractionalization platform in qualification of securities offerings under Regulation A+.

  • Defended client against an FTC enforcement action against a bitcoin mining machine manufacturer and its principals and in subsequent civil actions.

  • Representing not-for-profit foundation in auction of NFTs.

  • Representing leading U.S. digital currency trading platforms and blockchain technology firms before the Department of Justice, the SEC, and the CFTC in investigations and enforcement actions.

  • Represented ATSs before the SEC and FINRA.

  • Advised major online advertising platform on policies and procedures for accepting advertisements in the blockchain space.

  • Assisting a major mobile payment company in a cross border remittance cooperation.

  • Advising on blockchain-related patents and trademarks, including for ATSs and digital currency trading platforms.

  • Negotiated payment service contracts for a global financial payment company, including online/offline payment acquiring agreements and merchant service agreements.

  • Advising the operators of platforms for the sale of unregistered securities under Rule 506 of Regulation D, Regulation A+, crowdfunding, registration as a stock exchange, and as a commodity exchange for trading digital currencies.

  • Regulatory and compliance advice related to the use and custody of bitcoin and other cryptocurrencies, data protection, and cybersecurity.

  • Advised on the pre-indictment resolution of government investigations relating to financial technology.

  • Advising peer-to-peer lending platforms and regulated investment advisors on securities regulatory and commercial lending matters.
     
  • Advising digital asset issuers and exchanges on intellectual property matters, including patent strategy and prosecution.

  • Advising boards of directors and management on general corporate, securities, mergers and acquisitions and intellectual property matters in the U.S. and abroad.
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April 27, 2021
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November 5, 2020
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October 26, 2020
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