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Financing, Banking, Fintechs and Means of Payment

We advise clients such as financial institutions, governmental and multilateral organizations (IDB, IFC, IIC, Exim-Bank, OPIC), credit agencies, borrowers and sponsors, on domestic and international financing transactions, in a variety of modalities, including project finance, corporate finance, structured finance, acquisition finance, syndicated loans, securitization, leasing and import and export finance, in various sectors of the economy, including industry, telecommunications, transport, energy and basic sanitation.

We also advise clients on various regulatory issues related to banking law, including administrative proceedings before the Central Bank of Brazil (BACEN), the Securities and Exchange Commission (CVM), the Private Insurance Superintendence (SUSEP) and the National Financial System Appeals Board, among others.

In Fintech and Means of Payment, we focus on regulatory and governance issues associated with financial services. We aim to guide fintechs in acting strategically on digital platforms, offering goods and services in compliance with the regulatory obligations applicable to the National Financial System (SFN). Our work involves providing legal advice so that our clients comply with the SFN’s regulatory framework, especially as regards the Brazilian Payment System (SPB), digital credit offerings, crypto assets, blockchain, technology platforms and regulations issued by the Central Bank (BACEN) and the National Monetary Council (CMN). Together with other practice areas, we advise fintechs on all stages of the investment cycle, intellectual property issues specific to financial technology companies, including IP outsourcing and licensing and data protection, as well as tax issues.