Payments and Financial Technology Law
Overview
Nigeria's financial services and fintech regulatory environment is among the most dynamic on the continent. Licensing requirements, payment platform regulations, AML/CFT obligations, consumer protection frameworks, and data governance mandates apply simultaneously and with increasing regulatory scrutiny. Graypatch provides specialist legal and regulatory counsel to financial institutions, payment service companies, fintech platforms, digital lenders, and cooperative structures operating across this environment.
Relevant Clients
Fintech platforms, payment service providers, digital lenders, microfinance institutions, investment platforms, cooperative finance organisations.
Advisory Services Include:
- Regulatory licensing and application strategy under CBN, SEC, FCCPC
- Payment platform and gateway structuring
- Switching and processing frameworks
- POS and agency banking model design and compliance
- Digital lending product structure and regulatory compliance
- AML/CFT policy design and implementation
- KYC, CDD, and customer onboarding frameworks
- Sanctions screening and ongoing monitoring frameworks
- Merchant risk monitoring and operational compliance
- Cross border virtual card platforms and multicurrency advisory
Engage Graypatch
Whether your organisation is managing a regulatory matter, structuring a transaction, or building governance infrastructure, we are prepared to advise.