Fintech

Not just a token presence

The tokenisation of securities is gathering pace. Ashurst has advised on bond issues in multiple jurisdictions, involving leading banks and digital infrastructure providers. Our dedicated team has unique experience launching projects that leverage DLT and other systems, while taking account of the evolving regulatory requirements that apply to issuers, investors, custodians, intermediaries and market operators.

A full range of support

Our team's experience includes working with both native digital assets and tokenised investments. As markets develop, we have advised both new entrants and traditional financial institutions on the deployment of digital market infrastructure, cross-border services, and applications. Ashurst has been in the forefront of the transformation of financial services, and we continue to evolve with our clients.

Increasing regulatory scrutiny

As financial technology evolves, market participants are increasingly exposed to regulatory scrutiny, potential investigations and even possible sanctions. Anyone involved in fintech needs to pay particular attention to issues related to authorisation requirements, data privacy, cybersecurity and anti–money laundering and counter-terrorism financing legislation.

In-depth understanding

Ashurst’s multi-disciplined team has an in-depth and global understanding of fintech and the regulations that apply to it. Our client-oriented approach enables us to deliver commercial, practical and innovative advice to address specific regulatory challenges. 

Increasing focus on contracts

As businesses work faster and smarter in response to ongoing technological disruption, there is a greater focus on the importance of productive commercial relationships and the need for effective contracts. Fintech developments are supporting this trend through the increased digitalisation of contracts.

High-profile commercial experience

Ashurst has a global team of lawyers focused on drafting and negotiating all types of commercial contracts. These include outsourcing and other service provision agreements; joint venture, strategic relationship, franchise and agency arrangements; and supply and manufacturing contracts. Our team proactively digitalises contracts, enabling businesses to streamline processes, store contracts securely and effectively manage contract portfolios.

Digitalisation encouraging deals

Increasing digitalisation of businesses across all industries is leading to additional mergers and acquisitions (M&A) activity in the fintech sector. Economic volatility and geopolitical instability also contribute to the growing likelihood of deal-making in the technology, media and telecommunications industry.

Innovative advice for transactions across multiple jurisdictions

Ashurst is internationally recognised for its M&A practice. We work with public and private organisations of all sizes and at all stages of growth to execute transactions. We also advise institutional investors on fundraising, regulatory and investment activities. Our global technology M&A team has the strength, depth, sector knowledge and cross-border reach to deliver quality advice across multiple jurisdictions. Our NewLaw team, Ashurst Advance, also ensures we are at the forefront of technology innovation.

Technology is reshaping the sector

The payments landscape is undergoing a profound transformation, fundamentally reshaping how value is exchanged on a global scale. Innovative payment technologies are at the forefront of this revolution, driving unprecedented change and unlocking new opportunities for businesses and consumers alike.

From the emergence of private stablecoins to the development of Central Bank Digital Currencies (CBDCs), the very foundations of money and value transfer are being redefined. Global trends such as Open Banking, the proliferation of smart data and APIs, and the widespread adoption of QR code payments are accelerating innovation and fostering a more interconnected, efficient, and inclusive financial ecosystem.

For organisations exploring the payments market, these advancements present a wealth of strategic opportunities. By harnessing the latest payment technologies, businesses can enhance customer experiences, streamline operations, and position themselves at the vanguard of a rapidly evolving sector that is shaping the future of global commerce.

In-depth expertise

Ashurst's global team is across the developments and advises the full range of firms operating in the payments sector, including banks, fintechs, payment systems, processors and merchants.