
The team at CMS is well known for 'its ability to navigate the complex landscape of financial regulations swiftly and professionally'. The group acts for insurers, fintech companies and BNPL providers on a wide range of matters, and has a solid track record in handling blockchain and cryptocurrency work. Tessa Penninks has extensive experience in assisting with insurtech and lending cases; she co-heads the department with the 'exceptional' Clair Wermers. Other key practitioners include Laurens Pronk, who regularly advises domestic and international financial institutions on work, and Karsten Bruinsma, who has 'profound expertise in Dutch legislation and fintech-specific regulations'.
Testimonials
Collated independently by Legal 500 research team.
‘The team at CMS Amsterdam stands out for their collaborative approach in helping us create a comprehensive roadmap that outlines how token finance impacts businesses. As a front-runner in this field, CMS is invaluable to the mission of our foundation and the broader advancement of tokenization.’
‘Clair Wermers has demonstrated outstanding commitment. Her practical approach, combined with her deep expertise in these areas, makes her an invaluable asset to companies seeking guidance on tokenization. With Clair on your team, success is guaranteed.’
‘CMS is a leading international law firm that stands out for its deep expertise in tokenization and blockchain.'
'What sets CMS apart is its client-centric approach, combining global reach with local expertise, innovative legal solutions, and exceptional communication. The firm’s strengths include in-depth regulatory knowledge, tailored legal strategies, and a strong commitment to collaboration and education.'
‘Clair truly stands out as an exceptional partner at CMS. Clair’s warm, friendly, and approachable nature makes it easy to engage with her on even the most complex legal issues. She’s always open for a genuine conversation, making sure everyone feels comfortable and heard, which is a rare quality in someone with such deep expertise in tokenization.'
'What we value most about Clair is her incredible professionalism and vast knowledge. She doesn’t just understand the legal intricacies of blockchain and tokenization; she knows how to communicate them in a way that’s accessible and clear. Clair’s willingness to give back to the community and her passion for helping others understand the complexities of this field truly make her different.'
‘The team stands out due to its deep expertise in both Dutch legislation and the unique regulatory requirements faced by firms in the crypto and payments industries. What makes this practice truly unique is its ability to navigate the complex landscape of financial regulations swiftly and professionally.'
‘The team shows deep knowledge and professionalism. They are not only experts in their respective fields but are also extremely approachable and supportive, making complex legal matters more understandable. Leading lawyers, especially Karsten Bruinsma, demonstrate profound expertise in Dutch legislation and fintech-specific regulations, always offering clear, actionable advice that is perfectly suited to our needs.'
Key clients
- Lemonade
- Klarna
- Billink
- In3
- Riverty
- Renault Finance
- The Dutch Blockchain Coalition
- Alpha Group International
- 2Tokens
- Commerzbank
- Volkswagen Pon Financial Services
- PayPal
Work highlights
- Advised Lemonade on the implementation of the EU Digital Operational Resilience Act (DORA).
- Advised the Dutch Blockchain Coalition on the Dutch regulatory aspects regarding Decentralised Autonomous Organisations (DAO).
- Advised four major Dutch BNPL providers on establishing a code of conduct for improving service quality and establishing best practices.
Lawyers

Practice head
The lawyer(s) leading their teams.
Tessa Penninks, Clair Wermers