FINTECH

We have extensive experience in structuring models related to payment methods and market infrastructure, including card issuance schemes, acquiring, payment aggregators, digital wallets, money transfer services, and participation in payment systems in Mexico.

We provide guidance on determining the applicable regulatory framework—including regulated, unregulated, or hybrid structures—as well as on engaging with financial institutions and other participants in the payment chain.

Our approach enables clients to understand not only whether a model is legally viable, but also how to implement it efficiently within the regulatory constraints of the Mexican financial system.

We provide advisory services on authorization, registration, and organizational structuring processes for the operation of financial institutions with technological components, including crowdfunding platforms, electronic payment service providers, money transmitters, and other participants in the financial system, as well as their interactions with the National Banking and Securities Commission, the National Commission for the Protection and Defense of Financial Services Users, and the Bank of Mexico.

We design regulatory strategies that enable clients to structure their operations efficiently, taking into account applicable regulatory thresholds, supervisory risks, and potential contingencies.

Our practice includes the legal structuring of models related to digital assets and emerging technologies, including the operation of exchange platforms, blockchain-based solutions, and frameworks for integrating virtual assets into existing business models.

We provide guidance on designing structures that take into account the applicable regulatory restrictions in Mexico, particularly as they relate to financial institutions and payment systems.

We provide consulting services on the implementation of technology-based models within regulated sectors, including insurtech and regtech solutions, as well as on the integration of technological tools for regulatory compliance and risk management.

Our practice includes analyzing the regulatory implications arising from the use of data, automation, and emerging technologies within the financial system.

We provide guidance on compliance with applicable privacy and personal data protection regulations for fintech products and services, including the design of data processing structures, data transfers, and compliance mechanisms in digital environments.

We design and implement regulatory compliance strategies and anti-money laundering programs, particularly for fintech models that involve multiple participants, complex transaction flows, and exposure to high regulatory risks.

Our approach integrates compliance into the design of the business model, in accordance with applicable anti-money laundering regulations.

We provide advice on structuring cross-border fintech transactions, including adapting global models to the Mexican regulatory framework, operating models for foreign entities, and hybrid structures.

We provide guidance on identifying tax implications associated with fintech models, including payment structures, digital assets, and cross-border transactions, in coordination with specialized tax teams.