The ‘unrivalled, forward-thinking and innovative’ team at Allende & Brea helps register nascent fintech clients as virtual assets service providers and accountable AML entities with the Argentine Financial Information Unit. The firm provides further regulatory counsel on consumer data protection and the Central Bank’s foreign exchange controls, with digital wallet providers in particular frequently seeking this advice when incorporating new features, such as non-fungible tokens, closed-loop transactions, peer-to-peer exchanges and credit card facilities into their products. The firm recently showcased its ‘unmatched’ expertise when it was selected by the International Bar Association to produce a comparative fintech guide on payment service providers, open banking, blockchains and crypto-currency regulations, among other matters. The lawyers also advise on defence and prosecutorial strategies during contentious matters, such as anticompetitive complaints filed before the Argentine Antitrust Authority. The practice is steered by fintech and payment lawyer Carlos Maria Melhem; banking and finance practitioner Jorge Mayorga; and the ‘stellar’ IP, internet, and data protection specialist, Pablo Palazzi. The partners are aided by senior fintech and IP associate Mercedes Elaskar, and banking and fintech associate Esteban Gómez Moretto. Semi-senior associates Luciana González and Luciano Gimenez joined the team in 2024.

Baker McKenzie assists fintech start-ups and established financial institutions, including PayPal, MoneyGram and Goldman Sachs, with the launch of credit cards, non-fungible tokens, digital wallets and online trading platforms. The team also advises on the formation of commercial partnerships with local merchants to facilitate these activities. Another critical aspect of the practice is helping clients understand the complex regulatory framework governing the storage of users’ personal data, digital payments, foreign exchange controls, crypto assets, and public offerings in Argentina and Latin America. Practice head Gabriel Gomez Giglio advises businesses involved in digital wallets and e-commerce platforms on payments law. Banking and finance lawyer Francisco Fernández-Rostello provides ‘practical and digestible’ counsel on cutting-edge products such as blockchain and cryptocurrency. The partners are assisted by banking and corporate associates Jerónimo Juan Argonz and Delfina Ferrario.

Beccar Varela displays ‘commitment and dedication’ when assisting challenger banks, payment facilitators and other entities with the launch of fintech payment platforms and products, such as credit cards and video games incorporating blockchain technologies. The practice group also carries out due diligence and ensures regulatory compliance (including handling licensing registrations with the Central Bank and the Financial Information Unit) when clients enter the Argentine market, acquire other fintech companies, or undergo internal restructurings. The team also advises on the regulatory framework peculiar to non-fungible tokens and cryptocurrencies in Argentina. The department is led by banking and corporate specialist Daniel Levi, who ‘achieves favourable results’ when acting for local and foreign fintech clients; and banking and project finance lawyers María Shakespear and Pablo Torretta, who are involved in transactional and contentious matters based on financial and banking regulations.

Marval O’Farrell Mairal's fintech practice is focused on guiding its clients through Argentina’s evolving regulatory and legal landscape and the feasibility of introducing digital assets and other products into the country. The team assists companies during regulatory investigations instigated by provincial and national authorities for alleged non-compliance with financial, data privacy, and consumer protection regulations. Day-to-day operational matters - such as advising fintech businesses on registration, licensing, customs, tax, IP, and litigation - are also regularly handles by the group. This is aided by the firm’s strong relationships with banks, brokers, insurers, and regulators. Practice head Juan Diehl Moreno advises on regulations affecting blockchain and crypto assets, digital banking and loans, and e-payment platforms; key assistance is provided by associate Pedro Colaneri.

Bomchil is praised for its ‘extensive knowledge’ of the fintech sphere, which includes offerings such as crowdfunding, prepayment cards, and cryptocurrencies and securities tokens. The lawyers advise fintech companies, financial institutions and investors on corporate and tax matters, as well as providing regulatory counsel and handling the drafting of internal compliance manuals on AML, data privacy, and foreign exchange controls. The ‘very involved’ team is led by banking and fintech specialist María Victoria Funes, who advises on the design and development of e-payment and peer-to-peer credit platforms. Finance and capital markets practitioners Fermín Caride and María Victoria Tuculet help fintech businesses adapt to Argentina’s foreign exchange regulations. Associate Luciano Zanutto advises on banking, fintech and AML matters and the team was further strengthened with the arrival of associates Tomás Celerier and Francisco Diskin who joined the team in 2024.

MBP Partners - Abogados' ‘deep understanding’ of the fintech sector has attracted major players such as MercadoPago, Ualá, Uilobank and Pomelo. The firm is well-placed to advise on the complex financial regulations laid down by the Central Bank, the Security Exchange Commission and Argentine AML authorities. The practice also advises clients on introducing new products into the market (such as cryptocurrencies and credit cards) and forming strategic commercial partnerships to facilitate this. Such mandates often involve ancillary advice encompassing corporate, labour and tax issues. Experienced in banking, fintech and compliance, department head Ignacio Meggiolaro assists with complex contract negotiations and regulatory matters. He is support by banking and fintech-specialised associate, Gonzalo Pacheco.

Salaberren & Lopez Sanson (SyLS)'s fintech and technology team advise blockchain companies specialising in the metaverse, gaming, bitcoin mining and wallet provision on regulatory, tax, IP, corporate restructuring and financing matters. The firm’s regulatory expertise includes AML, payments, data privacy, securities, and registering businesses as virtual asset service providers. Aside from Argentina, further jurisdictions covered include the US, the Cayman Islands, the EU and China. The practice is co-led by firm co-founder Juan Manuel Campos Alvarez and venture capital and fintech specialist Sebastián López Sanson.

Cerolini & Ferrari Abogados' ‘magnificent team’ advises fintechs on areas such as payments, lending, crowdfunding and cryptocurrencies. It is  ‘intimately familiar’ with Argentina’s regulatory development and handles registrations before the Argentine Exchange Commission. The practice also helps businesses mitigate the risks of lawsuits and class actions, as well as providing procedural representation where regulatory compliance failures are alleged. ‘Brilliant partner’ Agustín Cerolini leads the department – his expertise includes insurance, commercial law, consumer protection, banking and fintech law. He is aided by banking and capital markets associate, Martín Chindamo.

Martínez de Hoz & Rueda's knowledge of banking, software licensing, data protection, cloud computing and IT law makes it the trusted partner of financial institutions and fintech companies, including Western Union and Prex. The practice offers guidance on local regulatory compliance and makes complex Central Bank and AML regulations ‘as comprehensive as possible’, according to one client. The department is co-led by Martín Lepiane, who is skilled in TMT and privacy-related issues, and Marcos Blanco, who advises on fintech regulation and implementation.

Embedded within its finance and capital markets team, O'Farrell's fintech practice advises companies such as Claro Pay, ISDA and RedotPay on Argentina’s regulatory compliance landscape. This includes registering fintech businesses as payment card issuers before the Central Bank, as virtual asset service providers before the National Securities Commission, and as regulated reporting entities before the Financial Information Unit. The lawyers also advise clients on meeting the legal requirements for integrating digital and electronic signatures into their operations. Corporate, finance and capital markets partner Sebastián Luegmayer leads the fintech practice, with Jerónimo Ocampo providing associate-level support. Fellow associate Nicolás Fernández Madero joined the team in 2024 from DLA Piper.

Pérez Alati, Grondona, Benites & Arntsen supports local and international fintech businesses that operate as digital banks, electronic money and payment processors, and crypto-currency exchange platforms. The lawyers advise on Argentina’s complex regulatory and compliance system, including the financial regulations set by the Central Bank. Registering clients as virtual asset service providers before the Argentine Securities Commission is another key service. The team also provides fintechs with corporate, tax, labour, IP, data privacy, and financing advice. The department is led by Diego Serrano Redonnet, who concentrates on corporate and banking law, with fintech as a key sector focus. He has the support of fellow partner,  banking, finance and compliance lawyer María Gabriela Grigioni, who represents clients in administrative proceedings before regulators.