Platform design and structuring, high-level perimeter advice and supporting entry into regulatory sandboxes are all areas of activity for the fintech group at Herbert Smith Freehills LLP. Leadership duties are split between four practitioners: Caroline Rae, Terence Lau, Alexander Amato-Cravero and Nick Pantlin. Cravero is equipped to advise financial institutions and emerging fintechs on issues connected to blockchain, machine learning and digital assets, while Pantlin is well-placed to advise banks, insurers and investment platforms on the use and adoption of technologies such as blockchain and AI. Marina Reason frequently operates at the nexus between regulatory requirements and digital assets.

Legal 500 Editorial commentary

Testimonials

Collated independently by Legal 500 research team.

  • ‘Industry knowledge and in-depth knowledge of our business.’

  • ‘Very good knowledge of the law and the technology. ’

  • ‘Very responsive and creative with problem-solving’

  • ‘Highly responsive and collaborative. The team is experienced and well-versed in the fintech space, and provides advice that is practical and commercially minded. HSF also demonstrated inventiveness and flexibility in its ways of working with our in-house team - this enabled HSF to integrate seamlessly with our team to provide convenience and efficiency in our contract review processes. ’

  • ‘Nick Pantlin and Terence Lau are always responsive, collaborative and they give practical and commercially minded advice. A pleasure to work alongside, as our business scales.’

Key clients

  • ClearBank
  • Tandem Money
  • FourAid Limited
  • LendInvest
  • 11:FS
  • Reefknot Investments
  • Huozhi
  • Invesco
  • The Big Exchange
  • EML Payments
  • Optal Limited
  • AxiCorp
  • FNZ Group
  • Comcast Corporation
  • Block.One
  • Moneysupermarket
  • TSB
  • BNPP
  • Credit Agricole
  • UBS
  • Santander
  • KodyPay
  • WiseTech
  • Huozhi
  • Hotelbeds
  • Beat Capital
  • Aura Blockchain Consortium
  • Ava Labs
  • Amazon

Work highlights

  • Provided strategic counsel to insurtech firm Beat Capital, encompassing a series of IT outsourcing negotiations crucial for the deployment of Beat Capital’s state-of-the-art SaaS insurance policy underwriting platform, alongside the integration of associated cloud hosting services.
  • Advised HotelBeds on the establishment and expansion of its fintech business, including advising on the implementation of fintech Initiatives, the development of a multi-supplier payment platform and the procurement of essential fintech services.
  • Advised Tandem Bank, a prominent challenger bank, on a strategic £20m Tier 2 capital raise.

Practice head

The lawyer(s) leading their teams.

Nick Pantlin, Caroline Rae, Terence Lau, Alexander Amato-Cravero

Other key lawyers

Barnaby Hinnigan, David Coulling, Marina Reason, Chris Bushell, Chris Ninan