Fintech and Crypto Compliance
At AIO Legal Services, we provide strategic, legally sound compliance support to fintech and crypto firms operating in or entering the UK and USA markets. Whether you are launching a regulated e-money institution, managing a decentralised crypto platform, or expanding your Web3 or blockchain product offering, our legal team ensures your AML, data protection, and financial regulations frameworks are compliant with UK and international standards.
We advise early-stage startups, licensed payment providers, token issuers, virtual asset service providers (VASPs), custodial wallet platforms, and DeFi ventures on their evolving legal obligations. Our support covers both domestic and cross-border regulatory landscapes, drawing from experience across the UK, the EU, and key international financial centres.
Our Services Include:
Authorisation and Registration: We advise on Electronic Money Regulations (EMRs), Payment Services Regulations (PSRs), and registration as a cryptoasset business with the FCA under Regulation 14A of the MLRs.
AML and Risk Frameworks: We develop AML policies and procedures aligned with the UK Money Laundering Regulations 2017 and FATF recommendations. This includes travel rule compliance, unhosted wallet monitoring, and risk scoring models for onboarding and transaction due diligence.
Outsourced AML Support: Whether you’re using external KYC/AML providers or building internal compliance teams, we structure clear legal frameworks allocating risk, responsibility, and accountability under UK and EU regulations.
FCA Expectations and Internal Audit: We assist clients in meeting FCA expectations on governance, operational resilience, financial crime prevention, and Section 166 (FSMA) reviews where applicable.
Token Issuance and Utility Classification: We assess whether tokens or digital assets qualify as regulated instruments under UK law (including security tokens, stablecoins, or e-money equivalents), and advise on disclosures and prospectus requirements.
DeFi and Web3 Structuring: We help clients implement legally defensible models for decentralised governance, smart contract development, DAO participation, staking services, and liquidity pools—ensuring clarity on UK financial promotions, consumer rights, and enforcement risk.
Crypto Disputes and Enforcement: Where required, we act in matters involving FCA investigations, freezing orders, blockchain tracing, or the recovery of misappropriated cryptoassets.
Why AIO Legal Services
Our compliance approach balances legal risk management with commercial strategy. We know that in fintech and crypto, delays in licensing, uncertainty in structuring, or weak AML frameworks can compromise investor confidence and trigger regulatory scrutiny.
That’s why our team works closely with clients to deliver tailored, fast-moving, and practical legal support—whether you are building a SaaS wallet platform, operating a cross-border token exchange, or preparing for a funding round with investor due diligence.
AIO Legal Services is a UK-based firm with an international footprint. We serve companies headquartered in the UK, the GCC, Europe, and beyond—providing support not only in achieving UK compliance but also in adapting to multi-jurisdictional regulatory obligations.
To schedule a consultation or learn more about how we can support your fintech or crypto venture, please contact us.