Fintech and Financial Services
You’re offering a financial service in the European Union. The licence question comes before the product roadmap, not after it.
Information, not advice
This page is information, not legal advice about your matter. A retainer begins only when a lawyer confirms it.
Start here
Find out whether you need your own licence
Which authorisation you need, and in which member state, given it will passport across the bloc. That choice sets both your timeline and your supervisor.
What to work through, in order
The licence question
Which authorisation applies, under PSD2, EMD, MiFID II or MiCA, and in which member state. Authorisation passports, so the choice of home supervisor matters.
Client money and safeguarding
Safeguarding under PSD2 and the EMD requires segregation or insurance, and MiCA imposes parallel obligations for crypto-asset service providers.
Conduct, complaints and vulnerable customers
MiFID II conduct rules, the Consumer Credit and Distance Marketing regimes, and national ombudsman schemes together set the conduct floor.
Next steps
What happens if you go ahead
Scoping call
Written scope and fixed-fee quote
Engagement, once a lawyer confirms
Who would handle it
Offices
London
25 Southampton Buildings, London WC2A 1AL