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.


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."
The 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."
The 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."
The 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."