Financial Services & Fintech
We represent financial institutions, non-banking financial companies (NBFCs), payment system providers, and fintech platforms in high-stakes disputes, regulatory enforcement actions, and strategic advisory matters across the financial services landscape. Our clients include some of India’s leading B2B payment gateways, embedded finance platforms, and digital credit providers operating at the forefront of financial innovation.
Our disputes practice covers lender liability, investor claims, misrepresentation, payment default disputes, platform failures, and regulatory non-compliance. We regularly act in litigation and arbitration involving complex financial contracts, technology-enabled credit models, and high-value commercial recoveries.
We have extensive experience advising on India’s regulatory framework for payment systems under the Payment and Settlement Systems Act, 2007 (PSS Act). Our work includes licensing, operational compliance, and enforcement defence for payment aggregators, wallet operators, UPI-based platforms, and merchant services providers. We assist clients in structuring product rollouts, managing outsourcing risks, and responding to inspections and directions issued by the RBI.
We also advise NBFCs and digital lending platforms on compliance with RBI’s digital lending guidelines, fair lending practices, KYC-AML frameworks, and grievance redressal mandates. Our work spans regulatory interpretation, transaction structuring, and advisory in relation to risk-sharing models, co-lending arrangements, and peer-to-peer lending platforms.
Our fintech advisory includes structuring and defending platforms offering tokenised assets, blockchain-based financial services, and DeFi models—particularly where legal uncertainty intersects with cross-border operations and AML enforcement risk. We support clients in navigating grey zones around crypto regulation, foreign exchange controls, and virtual asset taxation in India.
On the cross-border side, we counsel financial and fintech clients on FEMA compliance, offshore lending structures, derivatives, and regulatory risk related to correspondent banking and international fund flows. We also advise on aligning operations with FATF, OFAC, and other global financial regulatory regimes, including data compliance intersections with DPDPA, GDPR, and PIPEDA.
We assist clients in managing regulatory scrutiny from Indian authorities such as the RBI, SEBI, FIU, ED, and State Police Economic Offences Wings—often in parallel with internal investigations or crisis response. Our strength lies in integrating legal defence with operational strategy in situations involving financial crime exposure, sanctions risk, or platform shutdowns.
Whether advising on enforcement actions, market entry, or scaling under regulatory constraints, we help clients navigate financial sector complexity with precision, discretion, and cross-border fluency.