Regulatory & Compliance

In today’s fast-moving technology and fintech markets, regulation is often the difference between scaling confidently and stumbling into enforcement. Regulators across jurisdictions are adapting their frameworks to cover payment services, digital assets, data-driven products, and consumer protection in the digital economy. For innovative businesses, this creates both opportunity and complexity.

At 0x Legal, we help clients anticipate regulatory expectations, obtain the right licences, and engage constructively with supervisory bodies. Our focus is on practical compliance frameworks, AML, consumer protection, data governance, and operational resilience, that allow growth without unnecessary friction.

What We Do?

  • Licensing & Authorisations: e-money, payments, crypto-asset registration, iGaming licences, and sectoral approvals.

  • AML/CTF & Financial Crime: KYC/transaction monitoring, fraud controls, sanctions, and remediation programs.

  • Data Protection & Digital Risk: GDPR/UK GDPR, cross-border data transfers, blockchain data privacy, cyber incidents.

  • Corporate & Governance Compliance: directors’ duties, ESG disclosures, shareholder rights, regulatory approvals in M&A.

  • Consumer & Marketing Rules: digital advertising, financial promotions, and transparency obligations.

Web3 & Blockchain Compliance

Web3 and digital assets are moving from the margins to the mainstream, attracting global regulatory attention. We help businesses build compliance frameworks that inspire trust while remaining commercially viable.

  • Crypto-asset registration and authorisations.

  • AML/CTF compliance for exchanges, custodians, and DeFi projects.

  • Token issuance, NFTs, and securities law risk assessments.

  • Smart contract governance and liability issues.
    Key regulators: Financial Conduct Authority (UK), MFSA (Malta), global standards under FATF and MiCA (EU).

Finance & FinTech Compliance

The financial services sector faces close scrutiny from regulators who demand transparency, resilience, and consumer protection. We guide clients through authorisations, compliance frameworks, and supervisory engagement.

  • Licensing and authorisations (e-money, payments, lending).

  • AML/CTF programs, KYC onboarding, transaction monitoring.

  • Consumer duty, financial promotions, and disclosure rules.

  • Governance, board responsibilities, and senior management accountability.
    Key regulators: Financial Conduct Authority (UK), Malta Financial Services Authority (MFSA).

Data Protection Compliance

Data is the currency of the digital economy, and its misuse carries high regulatory and reputational costs. We help businesses balance privacy obligations with innovation and customer trust.

  • GDPR/UK GDPR compliance, DPIAs, and cross-border transfers.

  • Privacy-by-design for digital products and platforms.

  • Data breach response and regulator engagement.

  • Workplace privacy and employee data issues.
    Key regulators: Information Commissioner’s Office (UK), European Data Protection Board (EDPB), national EU data protection authorities, Office of the Information and Data Protection Commissioner (Malta).