Drawing upon expertise from across the firm's financial services, TMT and corporate practice groups, A&O Shearman's multi-disciplinary team services disruptors and incumbents across the full range of new and evolving fintech matters affecting the financial services ecosystem. As well as being able to leverage know-how from across other firmwide offices, the team is also able to draw upon a deep reservoir of knowledge built up as a result of its involvement for major Luxembourg industry bodies shaping the legislative agenda in the field. Baptiste Aubry, who heads up the overarching financial services regulatory offering, has excellent insight in the field, often providing the regulatory input associated with fintech-related transactions handled by the firm, as well as acting on standalone advisory matters. Aubry is one of many within the office's FinTech task force that has strong expertise in relation to distributed ledger technology (DLT) and blockchain technology, regularly acting for infrastructure providers and participants across a range of transactions in the space. Other key members of the team include Frank Mausen, who regularly handles fintech-related matters pertinent to the capital markets space; Catherine Di Lorenzo, who utilises her IP and tech expertise to good effect for financial services entities; and counsel Philippe Noeltner, who has significant experience advising on digital/blockchain bond issuances.

Combining expertise from across financial services, corporate, IP and funds, Arendt & Medernach's multi-disciplinary team has the strength-in-depth and resources to handle a wide range and volume of project-based, transactional and advisory mandates for well-established entities and disruptors throughout the value chain. Team head Marc Mouton is at the forefront of many of the most significant mandates handled by the team, including as it relates to payments, crypto and electronic money. Mouton also excels in helping entities utilise blockchain technology to streamline and facilitate capital markets projects; he recently provided the Luxembourg law advice to Goldman Sachs on the establishment of its new cutting-edge DLT platform. As part of his investment management practice, Francis Kass  has recently been involved in the establishment of numerous crypto asset funds.

Pooling together resources from across many different practice groups, the 'highly knowledgeable, skilled and solutions driven' multi-disciplinary team at Clifford Chance remains at the vanguard of the market, regularly handling  transformational fintech projects across key areas such as blockchain, smart contracts, digital assets, payments, AI, data, fund tech, cyber and insurtech. As well as generating significant market intel from fee-earning work, the team's involvement for trade and industry bodies has also ensured they are at the cutting-edge of material new ideas that are shaping the ever-evolving fintech landscape. For example, team head Steve Jacoby is one of many in the office who works closely with LHoFT, Luxembourg’s dedicated Fintech centre which seeks to foster innovation in the sector. On the fee-earning front, Jacoby is particularly skilled at advising on work at the intersection of digital finance and capital markets, acting for issuers of digital bonds as well as for market infrastructure providers. The firm’s multi-disciplinary approach also leads to a significant amount of funds and corporate-related fintech work, including in the context of M&A and JVs in the space, with senior partner Christian Kremer regularly handling work for both start-ups and established entities on workflow in the space.

Elvinger Hoss Prussen's 'highly skilled, responsive and experienced' multi-disciplinary team has strong credibility among start-ups and well-established entities across a myriad fintech and fundtech-related mandates. Blockchain and tokenisation matters are particular areas of strength, with capital markets expert Karl Pardaens' knowledge of developments in the DLT space ensuring that he is well-placed to advise stakeholders, including issuers, utilising the technology to execute transactions. Technology specialist Gary Cywie is also a pivotal member of the team and as well as regularly advising financial services entities on IT-related outsourcing agreements, is also well-versed on blockchain and virtual currency-related work. Henri Wagner co-heads the team alongside Pardaens and Cywie and has particular expertise advising electronic money institutions.

Drawing heavily from across regulatory, finance, corporate and funds disciplines in particular, Loyens & Loeff's integrated multi-disciplinary offering is well-placed to handle big-ticket strategically important fintech projects. The team has developed particular strength advising on cryptocurrency and tokenisation matters, as well as in relation to handling licensing applications  for  electronic money institutions and virtual asset providers. Financial services regulatory expert Adrien Pierre is across much of the highest-profile work handled by the team, including his role alongside the corporate team for  DeutscheBörse Group on its acquisition of all outstanding shares of the Luxembourg Fintech company FundsDLT. Banking and finance lawyer Anne-Marie Nicolas co-heads the team alongside Pierre and as well as her fee-earning work is also very well-connected in the fintech ecosystem, including various trade bodies/think tanks pushing for a more security token offering (STO) friendly environment in Luxembourg.

Leveraging its regulatory, banking and funds prowess, the 'highly responsive and knowledgeable' team at CMS is 'adept at navigating the complexities of the regulatory landscape', and has developed a strong reputation for start-ups, banks and well-established fintech companies across the full spectrum of their work throughout their lifecycle. With a 'clear grasp of regulations' in the ever-evolving area, Aurélia Viémont is a popular choice among clients seeking robust and actionable legal strategies across a range of complex fintech projects. A member of various working groups, Viemont is highly attuned to developments in the payments and crypto space in particular, and is often sought out by clients seeking the necessary regulatory authorisations, as well as on ongoing operational matters.

Combining a strong overarching financial services regulatory offering with a compelling tech practice group, NautaDutilh is well-placed to advise start-ups, established entities and banks across a wide array of fintech-related matters impacting their businesses. Josée Weydert skilled at advising on crypto asset trading, as well as providing advice to clients surrounding the new EU regulation for issuers and crypto-asset service providers - Markets in Crypto Assets Regulation (MICAR). Tech law expert Vincent Wellens co-heads the fintech offering alongside Weydert, and as well as regularly advising on regulatory and licensing issues, he also handles a considerable amount of work on IT-related outsourcing and digitisation projects.

At Hogan Lovells (Luxembourg) LLP, funds head Pierre Reuter  is also abreast more generally of regulatory concerns and the increasing nexus between technology and financial services. Most of the work in this regard is providing the necessary Luxembourg input with regard to work handled by its market-leading London fintech offering. In addition, the office has handled some Luxembourg-related advice for a number of start-ups developed through the firm's FinTech Mentor program.

As one of the only Luxembourg boutique firms with a fintech practice, Jurisconsul Law Firm provides a good alternative to some of the larger firms in the market, with its combination of a 'human centred approach' and 'strong technical expertise' ensuring that the lawyers in the firm 'are not just legal advisors but also strategic partners’. The driving force behind the firm's success in the area is 'knowledgeable' team head Erwin Sotiri, who 'also brings a personal touch to every case'. Sotiri is particularly noted for his work in the cryptocurrency sector and the evolving regulations impacting the area.

Norton Rose Fulbright acts on its own as well as providing the Luxembourg-related advice pursuant to projects handled by the firm's broader global fintech offering. 'Highly skilled' counsel Dorothée Ciolino combines her commercial, corporate and IT-related legal skills to good effect for a range of stakeholders in the sector, and is particularly well-versed at advising on payments-related matters. Funds partner Geoffroy Hermanns also handles some fintech work, including as it relates to NFTs, and is also increasingly active establishing funds investing in fintech assets.