Next Generation Partners

Fintech in Germany

Annerton Rechtsanwaltsgesellschaft mbH

Annerton Rechtsanwaltsgesellschaft mbH regularly advises banks, fintechs, platforms and marketplaces as well as payment service providers on the development of new payment products, German market entry, cooperation agreements and licensing matters in the crypto sector. In addition to its regulatory expertise, where Susanne Grohé (Berlin) and Frank Müller (Munich) are among the key contacts, the team also handles all interfacing matters, including investments and acquisitions. The capacities in the latter two areas were recently strengthened with the addition of Anh-Vu Tran (Frankfurt) in July 2021 (previously at Helaba Invest Kapitalanlagegesellschaft mbH).


The law firm has a very wide range of knowledge in the area of payments and banking. One main contact gives access to the entire knowledge potential of the law firm. Thus, all specialised fields can be well covered without having to ask too many questions. In addition, communication takes place on par and in an always pleasant and professional atmosphere.

‘The firm always delivers usable work results and thus lead to real added value in the cooperation.’

The team is one of the leading fintech teams in Germany with strong banking/finance skills.

Key clients



creditshelf AG

Crimson GmbH (trading name Topi)


Orderbird AG


Swarm Capital

finleap connect GmbH





NAEV-Immo GmbH & Co. KG Geschl. InvKG

Classic Token

Adorsys GmbH

Concardis GmbH

DZ Bank

Ferrari Financial Services GmbH

FinTecSystems GmbH

HIH Warburg Gruppe


Penta FinTech GmbH

PPRO Holding GmbH

Prepaid Verband Deutschland e.V.

smava GmbH

Solarisbank AG

Teylor AG

Tomorrow GmbH

Verifone Inc.

Amazing Blocks AG

1inch Exchange

Decus Network GmbH

Blockchain Helix AG

Nufin GmbH

Delivery Hero SE


Business Service Solution GmbH

FinTecSystems GmbH

Enertrag EnergieInvest GmbH

Work highlights

  • Regulatory advice on the European market entry of the cryptocurrency exchange FTX Trading Ltd., one of the leading international cryptocurrency exchanges.
  • Advice to the Austrian crypto platform Coinpanion on German market entry.
  • Advice to Hyphe (formerly B4C Markets) on regulatory and tax issues, in particular on cooperations with other market participants in the crypto segment.

Hengeler Mueller

Hengeler Mueller‘s fintech group focuses on regulatory matters and VC-related investments and transactions, where the team frequently cooperates with the relevant practices. The banking supervisory and payment services law expert Christian Schmies regularly takes the lead in regulatory mandates such as licensing procedures, cooperation agreements and cryptocurrencies, while Jens Wenzel routinely assists with investments and transactions. Among the clients are banks, investors, private equity houses, marketplaces and companies, which also benefit from the team’s expertise in interfacing data protection issues.

Other key lawyers:

Christian Schmies; Jens Wenzel

Jones Day

Jones Day specialises in innovative business models based on distributed ledger or blockchain technologies and is regularly instructed by financial institutions, (fintech) companies, asset managers and platforms. Among the core topics are crypto licensing issues, strategic cooperations and the structuring of DLT-based platforms on the one hand, and transactions and investments in DLT/blockchain-based bonds or cryptocurrencies on the other. The team frequently advises across locations thanks to the firm’s global network. Nick Wittek (combined expertise in structured finance, derivatives and asset management as well as technological innovations) and Ivo Posluschny (transactions and financing rounds) jointly lead the practice.

Practice head(s):

Nick Wittek; Ivo Posluschny

Other key lawyers:

Michael Fischer; Stefan Schneider


‘Strong and broadly positioned in the areas of financial markets, technologies/blockchain and regulatory/licences.’

‘Nick Wittek: Broad knowledge of cryptocurrencies and the corresponding regulations in Germany (crypto custody license). Thanks to his experience in the classic financial markets, he offers very broad and comprehensive advice.’

Key clients

Deutsche Börse AG

DZ Bank AG

Main Incubator GmbH

Work highlights

  • Advising Main Incubator GmbH as the founder of the IDunion project. IDunion is developing an infrastructure based on distributed ledger/blockchain technology for the use of self-sovereign identity, which digitizes the identities of natural persons, companies and machines to enable machine-to-machine contracting and contract processing to streamline KYC processes in the financial industry.
  • Advising DZ Bank AG in connection with the structuring and implementation of a blockchain-based smart contract for the execution and settlement of derivative transactions based on a pilot interest rate swap transaction.
  • Advising Deutsche Börse AG and European Exchange AG (EEX) on their investment as lead investor in the Series A financing of Aircarbon Pte. ltd (Singapore).

Latham & Watkins LLP

The German fintech experts at Latham & Watkins LLP follow a cross-location as well as cross-practice approach and cover financing rounds, investments and M&A transactions in addition to regulatory issues such as licensing procedures in connection with the introduction of new business models as well as crypto asset-related services. These competencies are also evident at practice lead level in transaction specialist Markus Krüger and banking and financial market regulatory expert Axel Schiemann.

Practice head(s):

Markus Krüger; Axel Schiemann


‘The German fintech practice benefits greatly from its embedding in the Financial Institutions Group (FIG) and the diverse relationships with leading fintech experts in the US and London.’

‘Dr. Markus Krüger is an outstanding lawyer who combines the most important topics with fintech, banking regulatory law, venture capital and M&A in one person and thus brings with him an almost unique overview.’

‘Axel Schiemann is an excellent banking regulatory law expert with in-depth regulatory expertise.’

Key clients


eToro Group

Hedosophia Group

Toscafund Asset Management


Work highlights

  • Advising dwins GmbH in connection with the Series A2 financing round.
  • Advice to Toscafund Asset Management LLP on regulatory issues and owner control proceedings in connection with the proposed investment in Elinvar GmbH.
  • Advising Yapily on the acquisition of finAPI, the leading provider of open banking solutions in Germany.


Since the departure of cruptocurrency specialists Eric Romba and Robert Oppenheim to Osborne Clarke in February 2022, the fintech team at Lindenpartners is led by Frank Zingel and Brigitta Varadinek. Their key strengths reflect the team’s focus: Zingel is experienced in regulatory matters and assists with the implementation of digital business models, including cryptocurrencies, while DMT expert Varadinek covers issues at the data protection and IT interface. The client portfolio includes banks, companies and fintechs, which are advised on cooperation agreements as well as payment services matters, here, associated partner Kati Meister regularly takes the lead.

Other key lawyers:

Kati Meister; Moritz Indenhuck; Lars Röh


‘Lindenpartners is a very approachable and reliable law firm with experienced advisors from the fields of fintech, banking and finance law.’

‘The broad coverage of supervisory law, contract law, IT and data protection law coupled with an always goal-oriented, pragmatic and also economically-oriented approach have helped us in various legal matters.’

‘The team around Brigitta Varadinek with Moritz Indenhuck and colleagues is always competent and ready to help.’

Key clients AG

Deutsche WertpapierService Bank (dwpbank)

Fidor Bank


Liqid Investments

Raisin DS

Star Finanz



Work highlights

  • Advising the Deutsche WertpapierService Bank (dwpbank) on the development of a bitcoin custody solution for retail customers.
  • Advising Liqid Investments on digital asset management and brokerage of PE funds.
  • Advising Wallis on setting up a business model (B2B and B2C services in the area of digital payment and open banking); in particular designing customer and end user contracts as well as IT contracts with service providers.

Osborne Clarke

With the arrival of Eric Romba and Robert Oppenheim from Lindenpartners in February 2022, the Osborne Clarke team expanded its capacities in the fintech sector, particularly in matters related to blockchain, crypto and digitisation projects. The team is led by payment services law and regulatory expert Tanja Aschenbeck and advises fintechs, financial service providers, credit institutions and asset managers.

Practice head(s):

Tanja Aschenbeck

Other key lawyers:

Eric RombaRobert Oppenheim

Bird & Bird LLP

Bird & Bird LLP fields Michael Jünemann, who heads the finance and financial regulation practice as well as the fintech team. Fintechs and start-ups rely on the group's regulatory expertise for the launch of new products and expansion of business activities. These are mainly virtual currencies and issues pertaining to distributed ledger technology (DLT) such as token regulation, DLT-based platforms, crypto custody transactions and subsequent licensing matters. The appointment of Johannes Wirtz to partner in May 2022 strengthened the team’s regulatory competencies which also cover matters at the interface with data protection and IT law.

Practice head(s):

Michael Jünemann

Other key lawyers:

Johannes Wirtz

Key clients



Bunq BV

Dapper Labs Inc.



Monese Ldt.

Niiio finance AG

Novem Gold

Volksbank Mittweida


Work highlights

  • Advising the deutsches Wertpapierinstitut on the application for one of the first permits under the EU crowdfunding regulation (European Crowdfunding Service Provider Regulation – ECSPR) as a so-called crowdfunding service provider in Germany.
  • Advice to Bung BV on local legal and regulatory requirements and procedures related to passporting based expansion from the Netherlands to Belgium, Germany, France, Spain and Italy.
  • Advising the world’s largest blockchain infrastructure company for node management and staking, Blockdaemon, on its acquisition of German company Anyblock Analytics to expand its NFT offering as well as its European footprint.

Clifford Chance

Clifford Chance offers an interdisciplinary approach in the fintech sector and comprehensively covers regulatory matters. The team advises banks and (fintech) companies on the development of new business models, digital platforms and cooperation agreements – Gregor Evenkamp is a key contact here– as well as transactions and financing rounds. For the latter, including investor advice, Oliver Kronat is a main contact, while Marc Benzler advises investors and handles M&A transactions in the financial sector as well as regulatory issues.

Key clients


Deutsche Bank

Bain Capital Credit

Multitude SE

RTX 21 GmbH (tectrex)

Altor Fund Manager AB

UBS, BNP, DekaBank

Digital Vault Services

Greenberg Traurig Germany

Greenberg Traurig Germany offers comprehensive support on electronic payment services matters and utilises its regulatory expertise in advising on cooperation agreements, German market entries, takeovers and mergers. Thanks to interdisciplinary cooperation, the team covers data protection and investment law issues and is an attractive advisor for various players in the fintech industry, including payment services providers, banks, fintechs and investment companies. Additionally, the German team regularly cooperates with locations in all global technology centers. Viola Bensinger heads the Berlin-based team, she is the respective global co-head of the fintech as well as IP and IT teams.

Practice head(s):

Viola Bensinger

Other key lawyers:

Carsten Kociok


‘Great accessibility, reliable answers, high legal expertise.’

‘I mainly worked with Mr. Kociok. He is a very experienced lawyer who knows the fintech industry very well and also covers all regulatory aspects. Compliance and money laundering prevention issues are his strengths.’

‘Carsten Kociok understands the interface between data protection and payment law very well. Careful and reliable, gives advice calmly and thoughtfully.’

Key clients


GoDaddy Poynt

Linus Digital Finance


Papaya Global

Jump Trading


PAR Capital Advisors

Satellite Payments

Work highlights

  • Advising Papaya Global, a US/Israeli payroll and HR company, on the acquisition of payment services provider Azimo.  
  • Advising Jump Trading on the acquisition of a German provider of cryptocurrency transaction validation services and other blockchain-based services, as well as on the regulatory framework for the provision of crypto custody services in the EU and Germany.
  • Advising LINUS Digital Finance on setting up and structuring a blockchain-based co-investment platform for financing the Access Tower in Frankfurt am Main.

Luther Rechtsanwaltsgesellschaft mbH

The team at Luther Rechtsanwaltsgesellschaft mbH is led by Rolf Kobabe and focuses on regulatory advice, including licensing matters, crypto-related application procedures, cooperation agreements and money laundering issues. IT and data protection constitute another focus, where Stefanie Hellmich regularly takes the lead. The practice also assists with transactions and financing rounds with regular cross-practice cooperations. The client roster includes fintechs, payment services providers and other companies in the financial sector as well as technology providers.

Other key lawyers:

Rolf Kobabe; Stefanie Hellmich


‘We have worked with the team on various matters in innovative areas of payment services law. The team is extremely knowledgeable in this niche area and takes a rigorous approach to their work.’

‘Super friendly; fast processing; Invoices are clear and understandable.’

‘Stefanie Hellmich: Very knowledgeable and an expert in the fintech area. Always available despite being very busy.’

‘Rolf Kobabe is a specialist in financial services regulation who is technically very competent but also willing to pursue a pragmatic approach.’

Key clients


Leondra GmbH

Zinsbaustein GmbH

Volkswagen Bank GmbH

Goldmarie Finanzen GmbH

Black Manta Capital Partners GmbH

N26 GmbH

WebID Solutions GmbH

Wechselgott GmbH

bloXXter GmbH

AUDITcapital GmbH (ecozins)

Augsburger Aktienbank

NFTrust GmbH & Co KGaA

Cargonexx GmbH

Work highlights

  • Regulatory advice to Goldmarie Finanzen GmbH with regard to the licensing requirement for the business model for a digital portfolio manager for individualized sustainable investments.
  • Advising GoCardless SAS on the design of the end customer terms and conditions and further development of the processes for using an account information service as part of SEPA basic direct debit options for online retailers in Germany.
  • Advising BCMP GmbH (Black Manta) on BaFin approval for the sale of security tokens, the Europe-wide sale of security tokens and the structuring of token offerings.

White & Case LLP

White & Case LLP's fintech team follows a cross-practice and cross-location approach with frequent instructions from German and international banks, platforms, fintechs as well as their investors and shareholders. Recently, the practice assisted clients with takeovers and transactions, handling both corporate as well as regulatory issues pertaining to the integration and subsequent licensing procedures. Financing rounds and the expansion of product portfolios were further prominent topics. Key contact Karsten Wöckener is experienced in financing rounds and the launch of digital platforms. Counsel Carsten Lösing (payment services supervisory law) joined YPOG in December 2022 as associated partner.

Practice head(s):

Karsten Wöckener

Other key lawyers:

Henning Berger; Jost Kotthoff; Stefan Pitz


‘Excellent coordination between the team members, very nice and reliable interaction. Great value is placed on diversity, consistently very in-depth knowledge in the fintech area with a capital markets focus.’

‘The commercial and technical understanding of the new business models stands out, as well as the ability to analyze and document them – despite the often high level of complexity – in a way that is legally correct and accurate, but at the same time understandable and pragmatic.’

‘The interdisciplinary appearance and the intuitive and smooth cooperation between lawyers from various legal areas and practice groups is particularly striking.’

‘Extremely important is the very good regulatory understanding, the judgment and sensitivity in the coordination with the regulator as well as the precise and practical advice on regulatory requirements that can be implemented at any time, together with support in their implementation.’

‘The professional expertise is underpinned by the use of modern technologies by the team itself and the fact that they can be contacted at all times and the very short response times.’

‘Karsten Wöckener: Outstanding communication and absolutely binding and courteous client management, anticipates legal issues and offers practice-oriented solution models. Very in-depth knowledge of the interfaces between fintech and capital markets.’

‘Karsten Wöckener manages mandates in a very solution-oriented and pragmatic manner, is easily accessible at all times and deploys other team members efficiently and according to requirements.’

‘Clients benefit from Karsten Wöckener’s in-depth knowledge of market structures and a wide variety of financial innovations, which puts him in a position to provide tailor-made and future-oriented advice in individual cases against the background of experiences made in other contexts, which is particularly valuable in the case of new business models that sometimes still need to be defined in terms of regulation . In addition, his unpretentious and approachable working style with his teammates as well as his strong communication skills with clients and opposing parties are striking.’

Key clients

Paysafe Group

Tink AB

Meta (f/k/a Facebook)

Bitpanda Issuance GmbH

N26 Bank GmbH

ETC Issuance GmbH

Fidelity International

Nets (Unternehmen der Nexi Group)

wefox Insurance AG

Luko Insurance AG

Waterfall Asset Management

Enpal GmbH

Klarna Bank AB

Deutsche Bank AG

Finmid GmbH

Tradias (Tochtergesellschaft des Bankhaus Scheich)

Quirion (Tochtergesellschaft der Quirin Bank)

Trade Republic GmbH

Work highlights

  • Advising Paysafe on the takeover of the German fintech company viafintech.
  • Advice to the open banking platform provider Tink AB on the acquisition of FinTecSystems (FTS) and its sale to Visa for €1.7 billion.
  • Advising the Austrian fintech Bitpanda on expanding its product portfolio with the Bitpanda Bitcoin ETC. The company is thus entering the innovative field of exchange-traded cryptocurrencies.


CMS strengthened its IT and cryptoasset expertise at partner level with the appointment of Markus Kaulartz in January 2022, which, combined with Andrea München's banking regulatory experience, form the core of its fintech advice. These competencies are called upon by banks, financial services providers and tech companies on operational issues, transactions, investments and financing rounds as well as BaFin licensing and permit procedures, which have frequent ties to the crypto sector.

Other key lawyers:

Markus KaulartzAndrea München

GÖRG Partnerschaft von Rechtsanwälten mbB

The fintech and payment services team led by Matthias Terlau at GÖRG Partnerschaft von Rechtsanwälten mbB is well versed in advising start-ups, financial services providers and banks on regulatory matters. Cooperation agreements with banks as well as BaFin licensing matters related to new digital payment products are among the frequently requested topics. The team also advises in close cooperation with the firm’s IT and technology experts on matters such as IT and outsourcing projects.

Practice head(s):

Matthias Terlau

Other key lawyers:

Michael Heise; Florian Schmitz


‘The practice is able to respond to clients’ requests at short notice and adapt very dynamically to changing situations.’

‘The Görg team is very competent and can be recommended without reservation, especially in the area of payment transactions, ZAG and the associated regulatory issues.’

‘Very pragmatic, business-oriented advice and support combined with the highest level of legal expertise.’

‘Dr. Matthias Terlau has a high level of expertise in banking law.’

‘Dr. Heise accompanies complex contractual situations in the design phase and develops innovative and market-oriented solutions. He can very quickly call in additional resources – also abroad – and integrate them in such a way that the results are also easy for the client to process.’

‘Dr. Florian Schmitz is an excellent external advisor with whom we are very happy to work. Dr Schmitz is always willing to help and has great expertise in the relevant fields. Thanks to his very good accessibility and the fast delivery of legal assessments, contract drafts and contract reviews, we can often consult him without processes being slowed down as a result.’

‘The networking of Dr. Terlau with the relevant supervisory authorities deserves special mention, as does his profound knowledge of future changes in the law.’

‘Mr. Terlau is friendly and open-minded, very competent and has an eye for unconventional solutions.’

Key clients

paydirekt GmbH / Bankenverband

Samsung Electronics GmbH

Deutsche Bank AG

WEAT Electronic Datenservice GmbH

Verimi GmbH


Landesbank Berlin

Work highlights

  • Development of the structure, the conceptual approach and implementation of the contracts for a new German online payment system for paydirekt GmbH.
  • Advising the ID platform start-up Verimi GmbH on payment supervisory law, in particular on owner control procedures, as well as ongoing advice on IT contracts and service contracts, partly on data protection and on corporate law issues.
  • Advising the German insurance company HUK-COBURG on an investment in InsureTech Neodigital Versicherung AG and on the establishment of a joint venture in the field of car insurance with Neodigital.

GSK Stockmann

GSK Stockmann impresses with regulatory expertise and advises on the launch of e-money-based products and digitised financing and investment platforms as well as cooperation agreements. Both Tobias Riethmüller and practice head Timo Bernau regularly take the lead here. The team also assists with financing rounds as well as interfacing data protection and corporate law matters.

Practice head(s):

Timo Bernau


‘Two-way proactive communication. Sound knowledge. Access to relevant decision makers.’

‘Philippe Lorenz and Timo Bernau are outstanding specialists in crowd investing platforms and the new ECSP regulation.’

Key clients

Katjesgreenfood GmbH & Co. KG

Zinsbaustein GmbH DBF

Sales GmbH, Grand Urban Group

Frankfurt School of Finance & Management gGmbH

Frankfurt School Financial Services GmbH

CaptiQ GmbH Companisto GmbH / Companisto Holding GmbH

portagon GmbH (vormals CrowdDesk GmbH)

Target Global Growth Fund II

solarisBank AG

Immutable Insight GmbH

Xcircle UG

Unstoppable Finance GmbH

Hogan Lovells International LLP

The German fintech team at Hogan Lovells International LLP offers an interdisciplinary and cross-location approach and advises financial and payment services providers as well as (fintech) companies on regulatory issues. The advice offering includes matters pertaining to the issuance, custody and distribution of cryptocurrencies as well as pan-European expansion projects and licensing requirements. Practice head Richard Reimer is experienced in institutional and product-specific banking regulatory law.

Practice head(s):

Richard Reimer

Other key lawyers:

Jochen Seitz


‘Highly experienced team providing expert advice on the legal and regulatory status quo as well as emerging trends in the fintech space.’

‘Highly recommended for providing regulatory advice to virtual asset providers.’

‘Jochen Seitz provides precise, commercial and very useful advice in a very timely and efficient manner.’

Key clients

B2Mobility GmbH

Bundesverband der Zahlungs- und E-Geld-Institute

cflox GmbH

DiPayGo GmbH

Fiserv, Inc.

mobile business engine GmbH

Pay.cetera B.V.

viafintech GmbH

Marex Financial

Goldman Sachs / Tier Mobility GmbH

Rebike Mobility GmbH

Taulia Inc.

Work highlights

  • Ongoing advice to the REWE Group on payment issues and advice on setting up a new fintech and on applying for a permit as an e-money institute.
  • Advising Marex Financial on the issuance and sale of structured products with Bitcoin and other cryptocurrencies as underlying.
  • Advising dipaygo GmbH on the application for a permit as a payment institution.


Headed by managing associate Florian Reul, Linklaters advises banks, new market participants and technology companies on regulatory issues in connection with the development of products, platforms and payment infrastructures, as well as on investments in fintechs.

Practice head(s):

Florian Reul

Other key lawyers:

Andreas Dehio


Noerr ‘s cross-practice approach covers financing rounds and transactions on the one hand and supervisory and payment services law on the other. Jens Kunz co-heads the financial services regulation team and is a key contact for all regulatory matters.

Other key lawyers:

Jens Kunz; Kai-Michael Hingst; Karl-Alexander Neumann

Norton Rose Fulbright

Norton Rose Fulbright comprehensively advises financial institutions, banks and payment services providers as well as asset managers, insurers, IT and fintech companies. Frank Henkel is a key contact for investment and transactional matters, while Caroline Herkströter is well versed in banking and investment law with additional expertise in the cryptocurrency segment. The team routinely advises across locations and practices with competencies at various interfaces, such as data protection and capital markets law.

Practice head(s):

Frank Henkel

Other key lawyers:

Caroline Herkströter; Christoph Ritzer; Ute Brunner-Reumann


‘Great support, always available, good expertise, own ideas and opinions, questions critically and expresses concerns, gets involved, delivers quickly, always available, open to alternative billing models, billing uncomplicated.’

‘Christoph Ritzer: Very good expertise, a lot of experience, broad specialist knowledge, open to other ideas.’

Key clients

ABC International Bank Plc

ABN Amro



AnaCap Financial Partners

Artifiction AG

AutoScout24 GmbH



Fondsdepot Bank



International Finance Corporation (World Bank Group)

Munich RE


Purplebricks Group Plc

Robert Bosch GmbH

Royal Bank of Canada

trimplement GmbH

Work highlights

  • Advice to AnaCap Financial Partners on their investment in SaaS FinTech company fintus, a provider of low-code software for the financial services sector.
  • Advising Fondsdepot Bank in eleven European jurisdictions on the initial connection of a FinTech platform as a tied agent to its liability umbrella.
  • Advising tech-enabled car insurer Zego on its $150m Series C financing, valuing the company at $1.1bn and making Zego the UK’s first InsurTech unicorn, and advising on its expansion to Italy and Germany.

Schalast Law | Tax

Schalast Law | Tax is experienced in advising fintechs on regulatory law in connection with the structuring of digital financing and token solutions and the launch of various payment and investment products. A recent prominent topic were non-fungible tokens (NFT), including the development of related platforms. Practice head Andreas Walter regularly takes the lead here, he also assists with cooperation agreements and German market entry.

Practice head(s):

Andreas Walter

Other key lawyers:

Alexander Gebhard; Thorsten Voß; Matthias Geurts


‘Good quality of advice, high level of responsiveness, creative solutions, pragmatic approach, drive projects independently, solution-oriented approach.’

‘The law firm Schalast is good at working out new ways/solutions for new fintech problems.’

‘Andreas Walter: Very responsive, available, strong in content and solution-oriented.’

Key clients

AQE Capital

iwoca Ltd.



Raisin Bank AG



Mondu GmbH

360x Music AG und Twelvebytwelve GmbH

Futurum Bank



Brighte Capital


Work highlights

  • Advising Mondu GmbH, a platform solution that offers buy-now-pay-later and other services for online B2B marketplaces, on its Europe-wide market entry.
  • Advising 360x Music AG and Twelvebytwelve GmbH on their cooperation with GEMA for the tokenization of music works of art.
  • Advising Vivid Money on the development of a so-called financial super app, where various payment and investment products are linked.