Digital currencies are becoming increasingly popular, both at the investment and speculation level. Regardless of the risks involved in investing in cryptocurrencies, many startups have taken their first steps thanks to an ICO. Besides, crypto-asset trading platforms lack specific regulation nowadays.
Therefore, both the design of these platforms and the raising of funds through an ICO require experience in the sector, knowledge of the applicable regulations and the ability to offer flexible and efficient legal responses. These characteristics define a Fintech Lawyer.

Methods of payment represent one of the most developed fintech sectors. With e-commerce growing rapidly (especially in the COVID-19 crisis aftermath), many businesses need digital transactions and payment systems offering economical and easy-to-implement solutions.
But managing means of payment and transactions involves significant risks for the company, its users and the market in general. That is why it is convenient to act with the support of a Fintech Lawyer who guarantees the legal security of the company.

Another of the most successful applications of fintech has to do with personal finance management. These projects not only make people's lives easier but also provide the company with a significant volume of data with high added value.
The obtained data can be used to recommend products to the user or be analyzed using Big Data techniques to develop new solutions in the sector.
This kind of use of the information must be respectful with the protection of personal data. The Fintech Lawyer must guarantee the confidentiality of the information collected, its use under current legislation and the limitation of liability over security breaches or illegitimate use of data.

Fintech services are also becoming increasingly important in investment services, wealth management and stock brokerage. The use of Artificial Intelligence, Big Data and Blockchain allows making optimal decisions in record time.
However, we would be facing risky operations, especially when the project manages high investment volumes. That is why operational analysis must be carried out to detect and isolate the company's legal risks, for which a Fintech Lawyer can be highly useful.

Crowdfunding is an alternative financing method becoming increasingly popular. That is why many Fintech Companies dedicate to channelling collective investments, founding Participatory Financing Platforms.
They act as intermediaries between promoters and investors outside the secondary market. Although not considered investment services companies, they are subject to some of the financial sector rules and the CNMV restrictions. Hence, the assistance of a Fintech Lawyer is advisable when articulating a Participatory Financing Platform or guiding a fundraising action through it.