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

Kristel Raidla-Talur

Partner (ee)

Andrejs Lielkalns

Specialist Counsel (lv)

Associate Partner, CAMS (lt)

Edgars Pastars

Partner (lv)

Kaarel Eller

Specialist Counsel (ee)

Senior Associate (lt)

Senior Associate (lt)

Goda Drąsutė

Senior Associate (lt)

Georg Kuusik

Specialist Counsel (ee)

Tiina Ilus

Senior Associate (ee)

Krists Kariņš

Associate (lv)

Alise Artamonova

Senior Associate (lv)

Decentralized (CoinGate) has obtained a crypto asset service provider license

2025 - 12 - 17

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

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 attorneys were exceptional. They combined deep regulatory knowledge with a strong understanding of commercial realities, which made their advice both legally sound and highly practical. They took the time to explain complex legal concepts in plain, accessible terms. Their professionalism, patience, and responsiveness sets them apart from others. They truly went beyond expectations and made the entire experience smooth and effective."

Legal 500 2026, FinTech, Estonia office

"As a client, I value our partner law firm for their exceptional professionalism, strategic insight, and collaborative approach. Their team consistently demonstrates a deep understanding of both legal complexities and the practical realities of our business environment. What sets them apart is their ability to combine legal precision with a pragmatic mindset, which makes their advice not only legally sound but also actionable."

Legal 500 2026, Banking, finance and capital markets, Estonia office

"All the partners at COBALT are super hands-on. They review everything and ensure nothing is missed. In my opinion, they are probably the best banking team in Estonia."

Chambers Europe 2026, Banking & Finance, Estonia office

"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