Piotr Putyra

Practice Areas

Fintech & Payment Services Regulation

Piotr Putyra is a leading regulatory expert in the field of payment services, electronic money, and banking law. He advises banks, payment institutions, e-money institutions, and fintech startups on PSD2, MiCA, AML/CFT, KYC, and cybersecurity frameworks. He has successfully led over 100 licensing and passporting procedures across the EU.

Mergers & Acquisitions (M&A)

Piotr acts as a trusted advisor to international corporations and investment funds in complex M&A transactions, particularly in the fintech, IT, and real estate sectors. He supports clients throughout the full transaction cycle—from structuring to regulatory compliance and negotiations.

Corporate & Commercial Law

As a lecturer in company law and long-time advisor to foreign investors, Piotr supports both greenfield and brownfield projects in Poland, with a special focus on corporate structuring and regulatory alignment.

Consumer Finance & Regulatory Litigation

He is recognised for shaping innovative consumer lending models, including Poland’s first non-bank credit card. Piotr represents clients before regulatory authorities such as KNF and UOKiK in matters involving consumer protection and market conduct compliance.

Career

Piotr Putyra is the Managing Partner at Dudkowiak & Putyra Business Lawyers, leading the firm since 2015. A graduate of Adam Mickiewicz University in Poznań, he is a qualified Polish Barrister and a member of the Bar Association. In addition to his legal practice, Piotr lectures on Company Law and frequently serves as a Polish law expert before foreign courts, including in the Netherlands and Norway.

With more than a decade of experience advising on financial regulations and investment transactions, Piotr has become one of Poland’s foremost legal experts in fintech and payment services. He sits on the supervisory board of a KNF-regulated payment institution and has participated in numerous KNF CEDUR training sessions. His clients include major domestic and international banks, investment firms, electronic money and payment institutions, and emerging fintech and crypto entities.

He is widely recognised for designing regulatory architectures that not only meet compliance standards but also enable business innovation and expansion.

Professional Memberships

- Member of the Polish Bar Association (Okręgowa Izba Radców Prawnych)

- Supervisory Board Member of a KNF-regulated payment institution

- Certified participant of KNF CEDUR regulatory training programmes

- Expert witness in Polish law before courts in the Netherlands and Norway

- Member of the British-Polish Chamber of Commerce (BPCC)

- Member of the Polish New Mobility Association (PSNM)

- Member of the German-Polish Chamber of Commerce and Industry (AHK)

- Member of the Netherlands-Polish Chamber of Commerce

- Member of FinTech Poland

- Member of the European Business Aviation Association (EBAA)

Publications

- Regular contributor to industry insights on fintech regulation, payment services, and AML compliance.

- Author of articles on licensing procedures under PSD2 and MiCA, published in leading Polish and international legal platforms.

- Published analysis on innovative consumer finance models and the legal framework of non-bank credit products in Poland.

- Speaker and trainer at industry conferences and internal legal training on topics such as cybersecurity, KYC architecture, and regulatory risk management.

Personal

Piotr is known for his pragmatic, business-oriented approach to legal challenges and his ability to simplify complex regulatory matters. Outside of his legal practice, he is passionate about educating others - regularly conducting training for legal and financial professionals.

A strong believer in technology as a driver of legal innovation, Piotr actively follows emerging trends in fintech, cybersecurity, and digital identity. He values long-term relationships and is recognised by clients for being approachable, strategic, and solution-driven.

Clients

Piotr Putyra advises a wide range of clients operating in highly regulated sectors, including:

- International financial institutions and banking groups

- Payment and e-money institutions scaling across the EU

- Fintech and crypto startups entering regulated markets

- Non-bank consumer finance providers and lending platforms

- Private equity funds and investment firms involved in financial sector M&A

- Technology companies developing KYC, SCA, and AML infrastructure

- Corporate groups undergoing digital transformation in financial services

His clients operate in over a dozen jurisdictions, from Western Europe to CEE markets, and are supported throughout licensing, compliance, product development, and transactional activities.

Work Highlights

70+ Licensing & Regulatory Projects

Led over 70 successful licensing, registration, and passporting procedures for payment institutions, e-money firms, and fintech companies under PSD2, MiCA, and CASP frameworks.

15% of National SPI Market

Advised clients representing approximately 15% of the small payment institution (SPI) market in Poland.

50% of API Licenses in 2024

Instrumental in securing 50% of all Account Information Service Provider (API) licenses granted in Poland in 2024.

First Non-Bank Credit Card in Poland

Co-created and launched the first non-bank credit card product in the Polish market, setting a new industry standard later replicated by competitors.

Strategic Legal Advisor in Cross-Border M&A

Advised private equity funds and international investors on complex acquisitions in fintech, IT, and regulated industries, including transaction structuring, compliance, and negotiation.

Regulatory Architect for Digital Finance

Designed scalable compliance frameworks for AML, KYC, SCA, whistleblowing, and cybersecurity – implemented across fintech, crypto, and consumer lending entities.

Expert Representation Before Supervisory Authorities

Represented clients in licensing, enforcement, and consultative proceedings before KNF (Polish Financial Supervision Authority), UOKiK (Competition and Consumer Protection Office), and EU regulators.

Industry Sector Expertise

Payment Services & FinTech

Deep understanding of regulatory and commercial dynamics in the rapidly evolving fintech ecosystem. Experience includes licensing of payment and e-money institutions, cross-border expansion strategies, and legal architecture for API, AIS/PIS, and digital wallets.

Crypto & Virtual Assets

Advises crypto exchanges, CASPs, and wallet providers on compliance with evolving EU and local regulations. Supports clients through MiCA-readiness, AML frameworks, and institutional partnerships.

Consumer Lending & Credit Innovation

Helped shape the Polish non-bank lending market by introducing new credit models, including the first non-bank credit card. Advises lenders on compliance, product rollout, and representation before UOKiK.

Investment & Private Equity

Supports international investors and funds across greenfield, brownfield, and regulated-sector acquisitions, especially in fintech, IT, and real estate.

Regulatory Technology (RegTech)

Collaborates with developers and founders on creating and auditing compliance technologies such as KYC/KYB systems, SCA protocols, and risk monitoring platforms.

Corporate & Infrastructure Projects

Combines transactional and regulatory insight to support strategic corporate investments, commercial structuring, and market entry in Poland.

Expert in these Jurisdictions

Poland – Full regulatory, transactional, and litigation expertise in Polish financial, corporate, and administrative law. Representation before KNF, UOKiK, and Polish courts.

European Union – Extensive cross-border licensing and regulatory compliance under PSD2, MiCA, AMLD, and other EU-wide financial regulations. Advised clients in passporting procedures across multiple EEA jurisdictions.

The Netherlands & Norway – Acted as Polish law expert in litigation and legal opinion matters before courts in The Hague and Oslo.

CEE Region – Supported private equity and fintech clients in entering and operating across Central and Eastern Europe, with emphasis on compliance harmonization.

Global Fintech Expansion – Consulted international financial institutions and tech companies from North America, Western Europe, and Asia on launching regulated operations within the EU, particularly through Poland as an entry point.

Languages Spoken

Piotr is a native Polish speaker and conducts legal work fluently in English, including cross-border transactions, regulatory proceedings, and court representations. His ability to communicate complex legal issues clearly in both languages is highly valued by international clients and partners.

Experience

With over a decade of hands-on legal advisory across fintech, banking, and financial regulation, Piotr Putyra has developed a reputation as one of Poland’s leading experts in payment services and compliance. He has led over 70 successful licensing and passporting procedures for institutions operating under PSD2, MiCA, and CASP regimes, covering payment institutions, e-money issuers, and crypto service providers.

His transactional experience includes advisory on multi-jurisdictional mergers and acquisitions, especially in the fintech, IT, and real estate sectors. Piotr supports both greenfield and brownfield investments, ensuring regulatory alignment from due diligence to post-deal compliance.

He has worked with supervisory authorities such as the Polish Financial Supervision Authority (KNF) and the Competition and Consumer Protection Office (UOKiK), often representing clients in complex regulatory and consultative proceedings. He is also recognised for pioneering legal work in the development of Poland’s non-bank lending and credit card markets.

Beyond client engagements, Piotr shares his knowledge as a lecturer in Company Law and as a speaker at legal and fintech events, helping professionals navigate the evolving regulatory landscape.

Education

Awards