Javier Pérez Moreno

Practice Areas

Fintech regulation; digital assets and crypto; virtual asset compliance; electronic payment institutions (digital wallets); crowdfunding; AML/CTF and financial crime prevention; CNBV supervisory proceedings; embedded finance; cross-border payments; banking and securities regulation; insurtech and insurance regulatory structuring; regulatory risk mitigation and licensing strategies.

Expert in these Jurisdictions

Mexico.

Work Highlights

Advised on complex authorizations under Mexico’s Fintech Law, including electronic payment fund institutions (digital wallets) and crowdfunding platforms, guiding clients through licensing, capital, AML/CTF and operational compliance requirements before the CNBV.

Structured a pioneering crypto-asset acceptance framework for a major commercial group in Mexico, aligning blockchain-based payment functionality with financial regulation and mitigating intermediation and AML risks.

Advised global fintech and payment companies on Mexican market entry, including regulatory perimeter analysis, embedded finance structuring and cross-border payment models to prevent unintended licensing exposure.

Led AML compliance audits and regulatory remediation programs for supervised financial institutions, addressing high-risk findings and supervisory scrutiny.

Advised digital asset platforms on regulatory exposure under the Central Bank of Mexico’s virtual asset regime, including sanctions risk, custody structures and compliance architecture.

Industry Sector Expertise

Fintech

Digital Assets

Crypto

Payments

Banking and Neobanks

Insurtech

AML/CTF

Embedded Finance

Cross-Border Financial Services

Clients

NuBank

Mercado Libre

Mercado Pago

OpenBank

Coinbase

Bybit

Bitso (if you confirm folder evidence)

SuperDigital

Satoshi Portal

Fairplay

Konfío

Cobee

Pagsmile

Neat Pagos

Simetrik

Complif

PayRetailers

RedotPay

PayJoy

PayPros

Global66

Galactic Markets

Cometa

Orbital

Toro Pagos

X