Our lawyers advise the fintech sector including, financial institutions, technology platforms, payment entities, venture capital and private equity investors, and entrepreneurs on the full spectrum of legal and regulatory matters that arise in Mexico’s rapidly evolving this sector, from licensing and regulatory compliance to corporate and finance transactions, product design, and the structuring of innovative digital financial services. Our advice extends to crypto and related industry.<\/p>\n
Mexico has emerged as one of Latin America’s largest and most dynamic fintech markets, with over 1,100 fintech startups operating across the payments, lending, crowdfunding, personal financial management, and digital assets segments. The enactment in March 2018 of the Ley para-Regular las Instituciones de Tecnolog\u00eda Financiera (the “Fintech Law”) established Latin America’s first comprehensive regulatory framework specifically designed for financial technology companies, creating a licensing and supervision regime administered by the Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), the Banco de M\u00e9xico (Banxico), and the Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico (SHCP). Fintech Law regulates crowdfunding institutions, electronic payment fund institutions, and operations with virtual assets, while also establishing open banking requirements, API standards, and a regulatory sandbox for the pilot testing of innovative financial models. For fintech companies seeking to operate in Mexico, for financial institutions adapting their business models to compete with digital challengers, and for investors evaluating opportunities in the sector, this regulatory framework creates a complex environment in which compliance, licensing strategy, and product design must be developed in close coordination with experienced legal counsel.<\/p>\n
Creel, Garc\u00eda-Cu\u00e9llar, Aiza y Enr\u00edquez has been at the forefront of Mexico’s fintech revolution since its inception, ranked Band 1 by Chambers FinTech every year since the guide was launched (seven consecutive years). The Firm obtained the first fintech authorization in Mexico under the Fintech Law in January 2020, a milestone that reflects its deep engagement with the regulatory authorities and its role in shaping the practical application of the new framework. The Financial Times recognized the Firm as one of eight most innovative law firms in North America in the “Innovation in Creating New Standards” category, highlighting its “leadership in designing new financial structures that address specific needs of the Mexican financial market, building bonds between the Fintech world and traditional banking to encourage the development of SMEs and support retail consumers in Mexico.” Chambers describes the team as a “top-flight firm advising startups, financial institutions and technology companies on the full range of FinTech mandates,” with clients noting that the Firm “stands out in the Mexican market for being a pioneer and innovator in its FinTech affairs.” This fintech expertise is built upon decades of experience in financial services regulation, securities, and capital markets, areas in which the Firm holds Band 1 rankings in both Banking and Finance and Capital Markets.<\/p>\n
Our fintech practice serves a diverse client base that includes early-stage and growth-stage fintech companies, multinational financial institutions entering Mexico’s digital financial services market, private equity and venture capital investors deploying capital in the sector, and traditional financial services providers seeking to integrate fintech capabilities into their operations. Key mandates include advising General Atlantic on its investment in PayClip (Mexico’s leading fintech payment company), Klar and Kavak, counseling Pangea on the implementation of an international transfer scheme using cryptocurrencies and representing Edenred in its acquisition of Punto Clave and OPAM (pre-paid card issuers and payment systems). The Firm has also advised Stori and DiDi in the acquisition of Sofipo financial entities, as well as Ual\u00e1 in the acquisition of Banco ABC, among others.<\/p>\n","protected":false},"featured_media":0,"template":"","tipo_servicio_taxonomy":[161],"categoria_servicio_taxonomy":[],"class_list":["post-31486","servicios","type-servicios","status-publish","hentry","tipo_servicio_taxonomy-practices"],"acf":[],"yoast_head":"\n