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).
Fintech in Germany
Annerton Rechtsanwaltsgesellschaft mbH
Other key lawyers:
Susanne Grohé; Frank Müller; Peter Frey; Christian Walz; Matthäus Schindele; Alireza Siadat; Anna Izzo-Wagner; Florian Lörsch; Anh-Vu Tran
Testimonials
‘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
Algotrader
Backed
creditshelf AG
Crimson GmbH (trading name Topi)
MISA Art
Orderbird AG
RIDE GmbH
Swarm Capital
finleap connect GmbH
Fireblocks
Hyphe
Trustody
FRESH VENTURES OÜ (Lendorse)
NAEV-Immo GmbH & Co. KG Geschl. InvKG
Classic Token
Adorsys GmbH
Concardis GmbH
DZ Bank
Ferrari Financial Services GmbH
FinTecSystems GmbH
HIH Warburg Gruppe
PAYONE GmbH
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
Mangopay
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.
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.
Other key lawyers:
Michael Fischer; Stefan Schneider
Testimonials
‘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.
Testimonials
‘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
Dwins
eToro Group
Hedosophia Group
Toscafund Asset Management
Yapily
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.
Lindenpartners
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
Testimonials
‘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
21.finance AG
Deutsche WertpapierService Bank (dwpbank)
Fidor Bank
Insha
Liqid Investments
Raisin DS
Star Finanz
Tesobe
Wallis
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.
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.
Key clients
8Pitch
CONCEDUS
Bunq BV
Dapper Labs Inc.
IDnow
Mastercard
Monese Ldt.
Niiio finance AG
Novem Gold
Volksbank Mittweida
Blockdaemon
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
Tencent
Deutsche Bank
Bain Capital Credit
Multitude SE
RTX 21 GmbH (tectrex)
Altor Fund Manager AB
Block.one
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.
Other key lawyers:
Carsten Kociok
Testimonials
‘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
PayPal
GoDaddy Poynt
Linus Digital Finance
Payone
Papaya Global
Jump Trading
Lendis
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
Testimonials
‘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
GOCARDLESS LTD
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.
Other key lawyers:
Henning Berger; Jost Kotthoff; Stefan Pitz
Testimonials
‘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
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.
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.
Testimonials
‘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
HUK-Coburg
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.
Testimonials
‘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.
Other key lawyers:
Jochen Seitz
Testimonials
‘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.
Linklaters
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.
Noerr
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.
Other key lawyers:
Caroline Herkströter; Christoph Ritzer; Ute Brunner-Reumann
Testimonials
‘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
AIG
Amundi
AnaCap Financial Partners
Artifiction AG
AutoScout24 GmbH
Commerzbank
Excubate
Fondsdepot Bank
ING
Ingenico
International Finance Corporation (World Bank Group)
Munich RE
PayPal
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.
Testimonials
‘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.
Tokenstreet
Bookwire
Raisin Bank AG
EstateGuru
VIVID Money
Mondu GmbH
360x Music AG und Twelvebytwelve GmbH
Futurum Bank
Hi55
Hastee
Brighte Capital
Gamescoin
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.