Fintech & Banking

Overview

Leading Fintech and Banking Lawyers in Romania for Innovative Finance

Mararu & Mararu SCA provides cutting-edge legal support for fintech, financial and banking clients in Romania, navigating regulatory complexities, fostering innovation in digital payments, crypto, and lending amid EU PSD2 and growing fintech ecosystem. We are a recognised tier-3 leading law firm in Romania by LEGAL 500 EMEA in Litigation & Dispute Resolution, IT, Telecoms, Media, Energy, Natural Resources, Corporate, Public Private Partnership and Procurement.

Representative Work

• Obtained NBR licenses for a fintech startup's digital wallet platform, enabling EU-wide operations.
• Advised on a cross-border fintech M&A, structuring deals to comply with AML and data privacy laws.
• Defended a banking client in a regulatory dispute over open banking APIs, achieving favorable resolution.
• Drafted smart contracts for a blockchain-based lending platform, mitigating legal risks.
• Conducted due diligence for an insurtech joint venture, optimizing tax structures under international treaties.

Fintech and Banking Dedicated Legal Services

• Fintech Regulatory Compliance: Guiding startups and banks through NBR and ASF approvals, including PSD2, AML, and GDPR compliance for digital financial services in Romania's fintech boom.
• Digital Payments and E-Money Licensing: Assisting with obtaining payment institution or e-money licenses, structuring platforms for seamless cross-border operations.
• Cryptocurrency and Blockchain Advisory: Counseling on crypto exchanges, NFTs, and DeFi projects, ensuring adherence to Romania's emerging crypto regulations and EU MiCA framework.
• Lending and Crowdfunding Platforms: Drafting agreements for peer-to-peer lending and crowdfunding, mitigating risks in consumer credit and alternative finance.
• Banking Transactions and Financing: Structuring loans, syndicated financing, and asset-based lending, with focus on fintech integrations like open banking APIs.
• Mergers and Acquisitions in Fintech: Handling due diligence, negotiations, and post-deal integration for fintech acquisitions, capitalizing on Romania's M&A surge.
• Securities and Capital Markets Fintech: Advising on tokenized securities, STOs, and BVB listings for fintech firms, complying with EU prospectus rules.
• Data Security and Cybersecurity: Developing protocols for financial data protection, incident response, and compliance with NIS2 Directive in fintech operations.
• Consumer Protection in Financial Services: Ensuring fair lending practices, dispute resolution, and transparency under Romania's consumer rights laws.
• Insurtech and Regtech Integration: Supporting hybrid models combining insurance with tech, including regulatory tech solutions for compliance automation.
• Cross-Border Fintech Expansions: Facilitating market entry for international fintechs via subsidiaries or partnerships, leveraging Romania's double taxation treaties.
• Fintech Dispute Resolution: Representing in regulatory investigations, arbitrations, and litigation over fintech contracts or breaches.