Fintech

While our clients are occupied with building new technologies and business models for reshaping the financial services industry, our FinTech experts are there to support them on their mission.

We provide a wide range of legal services to support entrepreneurs developing platforms for marketplace lending, crowdfunding, digital payment solutions, cryptocurrencies and other innovative services.

We are recognised for our strong track record in financial services regulatory and compliance matters and close working relationships with the regulators. Our team has assisted numerous clients on obtaining e-money institution, payment institution and other financial services licences.

Our multidisciplinary team also advises FinTech clients on data and IP protection, commercial contracts, capital raising, consumer protection, and employment matters.

 

Recognitions
Legal 500 2024, Banking, Finance and Capital Markets, Lithuania office
"COBALT Banking team has excellent expertise in corporate finance field. Their main strengths are good listening to the client needs, orientation to the result. We like direct approach of the question at hand."
Legal 500 2024, Fintech, Estonia office
"The COBALT law firm is well established in the Estonian market, having excellent insights into the best practices both on the international and local levels. Due to their extensive experience, they are well-placed to advise on the regulator's expectations and the standards the regulated entities in Estonia and the EU are to be abide by."
Legal 500 2024, Banking, Finance and Capital Markets, Latvia office
“The team keeps its knowledge up to date. The team actively provides alternative solutions to a problem. Team members are great personalities who can handle stressful situations.”
Chambers Europe 2024, Banking & Finance, Lithuania office
“COBALT's key strengths are its attitude and on-point discussions with good follow-through that are not wasting time.”
Legal 500 2024, Banking, Finance and Capital Markets, Estonia office
"The team is very engaged and driven to find suitable know-how on range of matters. We have excellent partners who hear us out, think and offer solutions to our issues. Innovation and reason go hand in hand, meaning innovative contract formats that suit the issue at hand."
Chambers Fintech Guide 2024, Estonia office
"We have been thoroughly impressed by the quality of work COBALT has delivered to us."
Chambers Europe 2024, Banking and Finance, Estonia office
"The lawyers at COBALT propose new and innovative contract templates."
Legal 500 2024, Banking, Finance and Capital Markets, Estonia office
"They have a deep ability for comprehensive thinking and looking beyond the case at hand to provide multiple options of solutions. They will always hand you off to specialists, but in reality, they know enough of a variety of subjects to come to the right conclusions. They don't waste your time and keep suggestions down to earth."
Chambers Fintech Guide 2024, Estonia office
"We strongly rate COBALT's ability to handle complex and sophisticated legal matters."
Chambers Europe 2024, Banking and Finance, Estonia office
"COBALT is very strong when it comes to the quality of people and the way they work."
Legal 500 2024, Banking, Finance and Capital Markets, Estonia office
"I felt them being like actual in-house team members. They care, dig in and deliver."
Chambers Europe 2024, Banking & Finance, Lithuania office
“The team's key strength is to deliver solution-focused advice and driving matters forward.”
Chambers FinTech Guide 2024, Lithuania office
"COBALT has been really responsive and was available even at short notice for team teleconferences, if required."
Chambers Europe 2024, Banking & Finance, Lithuania office
“COBALT has strong lawyers in the banking and finance field, who are capable of taking on difficult tasks.”
Chambers Fintech Guide 2024, Estonia office
"COBALT is solutions-oriented and always ready to delve deep into the heart of the matters."
Chambers Europe Awards 2024
According to Chambers, COBALT is a clear market leader in the Baltics. It is unsurpassed in its number of rankings and unrivalled in its number of top-tier departments. Furthermore, the law firm has more top-ranked practitioners than any other firm in the region. This Baltic powerhouse consistently acts on the largest transactions and disputes across Estonia, Latvia and Lithuania.
Chambers Europe 2023, Banking & Finance, Estonia office
"The lawyers know the local market inside-out, which is very helpful because they can address a number of different queries in different practice areas. They are very good at coordinating with their colleagues."
Chambers Europe 2023, Banking & Finance, Lithuania office
"The law firm has experts for every topic who have good availability and turnaround times. They understand what the client needs and wants."
Legal 500 2023, Banking, Finance and Capital Markets, Lithuania office
"Well-organised team. Great and effective cooperation allowing to deliver the relevant work in line with clients’ needs."
Chambers Europe 2023, Banking & Finance, Estonia office
"The lawyers are available, flexible and very focused. They know the Estonian and Baltic market very well."
Chambers Europe 2023, Banking & Finance, Estonia office
"The team can put you in direct contact with an expert, who then takes the lead and starts arranging calls, and they have a lot of skill sets."
Chambers Europe 2023, Banking & Finance, Latvia office
“COBALT has a very strong understanding of the commercial aspects of financial services. The lawyers are understandable, pleasant, and always timely in communication. The team is very smart, responsive, and commercial."
Legal 500 2022, Banking & Finance, Latvia office
"COBALT will always point out to the client the critical places in the agreement we need to pay our attention to and will come up with the solutions that would be both beneficial for the client and acceptable to the banks and financing institutions."
Legal 500 2022, Banking & Finance, Latvia office
"COBALT works in a very flexible way. Extremely client and service oriented."
Chambers Europe 2022, Banking & Finance, Latvia office
A source describes the team as "very forward-thinking" and "entrepreneurial.
The Legal 500 2021, Banking & Finance, Latvia office
"An engaged, responsive team with good knowledge of the market standards."
Chambers and Partners 2021, Banking & Finance, Estonia
"They explain issues well and help us to understand complicated legal matters, to make sure our interests are well handled and taken care of," adds another impressed client.
Chambers and Partners 2021, Banking & Finance, Estonia
Clients describe the team as "extremely impressive, very commercial and very responsive," and single out the group for its "great communication and project management skills."
The Legal 500 2021, Banking, finance and capital markets, Lithuania office
"Excellent knowledge of the subject matter and level of attendance to the client’s needs."
Chambers Europe 2020, Banking & Finance, Latvia office
Sources regularly praise the team for its proficiency, describing the lawyers as "knowledgeable and enthusiastic" as well as "willing to support and help in the best possible way."
The Legal 500 2020, Fintech, Lithuania office
COBALT fintech team acts for clients on licence applications, cryptocurrency regulatory matters and ICO's.
Chambers Europe 2019, Banking & Finance, Latvia office
The team is praised for the quality of its advice and its dedication to clients. "Good teamwork and good knowledge in all kind of legislation," "client- and service-oriented."