FinTech Lawyers in Switzerland
We support FinTech companies from incorporation to exit — with expertise in regulation, licensing and compliance across Switzerland, the EU and the US.
Hear it from FinTech founders we work with
From complex regulatory questions to scaling our business internationally, I know the experts at LEXR have my back – they know me, they know my business, and they know the law.
With LEXR, we found a team of international crypto lawyers that can execute as fast as the crypto markets move. With their deep understanding of the Web3 technology and high-quality legal team, getting deals done is as seamless as it gets.
I highly appreciate our partnership and collaboration with the LEXR team. They have supported us for the majority of our 5-year journey so far, growing from a crappy, early stage startup to a shiny, quickly expanding scaleup. Many topics around Regulation, Legal, Compliance, and Fundraising were far away from straight-forward and required an immense level of pragmatism and responsivity, which we were always able to count on. I can only recommend LEXR, especially for early stage, VC-backed startups in dynamic environments!
Digital assets and fintech have entered a structural phase. Regulation is no longer a hurdle to navigate - it is part of the infrastructure. This requires designing within it, across jurisdictions and at scale. The companies that will lead this cycle won’t be those trying to minimize the law. They will be those who understand how to use it strategically. Let's talk!
Stephan D. Meyer · Partner @LEXR · Book your free call →
Why LEXR for FinTech
Regulatory expertise
Deep command of Swiss, EU and US rules across digital payments, BNPL, crowdfunding, robo-advice, crypto & tokenisation and beyond — so your model is built on solid regulatory ground from day one.
Ecosystem advantage
We're embedded in the Swiss, EU and US fintech ecosystem, with direct ties to the VCs, accelerators and operators who can move your business forward.
Fast-track licensing
We run the full licensing process with FINMA and international authorities — structured, streamlined and built around your timeline — using the latest legal tech to move faster and keep you informed at every step.
What we offer for FinTech
From incorporation and licensing to product regulation and cross-border scaling, end-to-end legal support across the FinTech regulatory stack.
FinTech licensing advisory and cross-border regulatory strategy, AML SRO applications and compliance programs (including an outsourced AML Officer role), FinSA packages, and the full range of licenses via our Fast-Track procedure — portfolio and asset manager, FinTech license, get-ready packages for crypto and payment institutions, and EU CASP licenses.
Swiss and EU prospectuses for digital and traditional financial instruments, offering memoranda for Swiss and European issuances, MiCA white papers for digital assets in the EU, and Reg D offerings with EDGAR filings for US securities issuances.
Legal frameworks for payments — e-money, payment initiation, account-information services and BNPL — neobank and Banking-as-a-Service structuring, lending, crowdlending and factoring platforms, and open-banking API contracts, data protection and liability frameworks.
Robo-advisory and robo-invest classification and licensing, WealthTech and asset-management authorization with MiFID II alignment, crowdfunding and crowdlending platform structuring and prospectus requirements, and regulatory assessment and licensing for insurtech models.
Global reach. Local roots. One team
LEXR offices
- Zürich
- Lausanne
- St. Gallen
- Davos
- Brooklyn
- Berlin
- Munich
- News LEXR writes the licensing guidelines for the EU's official Chips Design Platform EuroCDP
- Deal LEXR represents a Swiss institution in a $100m+ acquisition of a Swiss FinTech
- Deal LEXR structures a tokenized tracker certificate and drafts EU prospectus for retail distribution
- Deal LEXR advises a FinTech scale-up on their Delaware flip to expand to the US market
FinTech legal FAQ
The questions FinTech founders and teams ask us most before they book a call.
It depends on what you actually do with client money and assets. Taking deposits, managing portfolios, running a payment or crypto business and issuing tokens each trigger different regimes — from the FinTech (banking-light) license to portfolio- and asset-manager authorisation, payment-institution status or a full banking license. We assess your model early, tell you which license (if any) applies, and map the fastest compliant route to market.
If you provide financial services on a professional basis in Switzerland, you likely qualify as a financial intermediary and must affiliate with a FINMA-recognised self-regulatory organisation (SRO) for anti-money-laundering supervision. We assess whether you're in scope, handle the SRO application, build your AML compliance program, and can take on the AML Officer role on an outsourced basis.
Often, yes. If you offer crypto-asset services to clients in the EU or issue tokens into the EU market, MiCA can apply regardless of where you're established, and you may need a CASP authorisation or a compliant white paper. We help you determine your EU exposure, choose the right authorisation and entity structure, and align your Swiss and EU setups so you can passport across the bloc.
A prospectus is generally required when you publicly offer securities or seek admission to trading, subject to exemptions (e.g. limited investor numbers or minimum ticket sizes). Under Swiss law that's FinSA; in the EU it's the Prospectus Regulation, with a MiCA white paper for many digital assets. We assess whether an exemption applies and, if not, draft and file the prospectus, offering memorandum or white paper you need.
Payment models are classified by what you hold and move — issuing e-money, initiating payments, providing account-information services or offering buy-now-pay-later each map to different Swiss and EU regimes and license thresholds. We classify your flow of funds, tell you what authorisation you need in each market, and structure the product and contracts so you can launch and scale compliantly.
We scope the work on a free call and fix the price wherever it is scopable; licensing projects run on our Fast-Track procedure with clear milestones, and for open-ended or fast-moving mandates we offer pre-paid hours or a legal-team subscription. No billable-hour targets — you know the cost before work starts.
Building in FinTech? Let's get your regulation right
A free call with our FinTech and regulatory specialists — we'll scope your licensing, product and compliance needs and fix the price before any work starts.