Our Services / Practice Area / Fintech

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.

Contact us

Kristel Raidla-Talur (ee)

Partner

+372 513 6997

Andrejs Lielkalns (lv)

Specialist Counsel

+371 2926 7066

Akvilė Bosaitė (lt)

Partner

+370 698 06964

Monika Koolmeister (ee)

Partner

+372 665 1888

Experts

Deals & cases

Publications

Recognitions

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Estonia

Latvia

Lithuania

Associate Partner, CAMS

Practica Capital invests in Latvian fintech authentication solutions provider Handwave

2025 - 08 - 04

Advertising experience platform Monetizr raises EUR 3.6 million

2023 - 08 - 14

COBALT advised Change Ventures on creating their €20M Fund III

2023 - 05 - 30

COBALT advised Quickbyte Global in several aspects of the licensing process for renewal of a licence of a virtual currency service provider

2023 - 05 - 26

Latvia: At the Forefront in Provision of European Crowdfunding Services (2023 - 07 - 14)

Navigating the new reality in the financial sector (2022 - 03 - 31)

"The fintech team at COBALT is undoubtedly composed of highly skilled professionals, offering well-researched and thorough legal advice. As a large and well-established law firm, they bring a wealth of expertise to the table, which is reflected in the quality of their work."

Legal 500 2025, FinTech, Estonia office

“The lawyers can combine their knowledge and offer an all-encompassing solution. They do their homework before coming to see us and include things we have not thought about.”

Chambers Europe 2025, Banking & Finance, Lithuania office

“COBALT always assigns the most appropriate team to complex issues, takes a deep dive into the issues and provides practical suggestions and solutions. It can cover many legal aspects and has a team of highly varied lawyers who specialise in various fields.”

Chambers Europe 2025, Banking & Finance, Latvia office

“They are highly effective advisors who guide us through complex financing tasks. The COBALT team leverages its outstanding members to provide expert advice on preparing necessary documentation, ensuring compliance with market standards, representing us before authorities, and more. We highly recommend their services.”

Legal 500 2025, Banking, Finance and Capital Markets, Lithuania office