Wojciech Ługowski

Practice Areas

fintech, payment services, blockchain, investments in blockchain, business process modeling, start-ups and new technologies, commercial contracts, equity investments and financing, mergers & acquisitions, crypto-assets and DeFi regulation

Professional Memberships

The Warsaw Bar Association of Attorneys-at-Law – Attorney-at-Law;

Member of the Regulatory Council of FinTech Poland;

Member of the Regulatory Council of Future Finance Poland;

Business Angel and member of the Investment Board at CobinAngels;

Publications

Anti-Money Laundering and Terrorist Financing. A Practical Guide (Wolters Kluwer, 2018) - co-author; Anti-Money Laundering and Financing of Terrorism. Commentary (Wolters Kluwer, 2019) - co-author; Fintech 2025 - Poland (Chambers and Partners, 2025) – co-author of the Poland chapter in the Chambers Global Practice Guide: Fintech 2025; Author of the educational legal series “Blockchain Academy”, published by Lawarton - a comprehensive set of expert articles explaining regulatory, financial and legal frameworks for blockchain, tokenisation, crypto-assets, Web3 products and FinTech innovation

Languages Spoken

Polish, English

Industry Sector Expertise

Wojciech advises clients across the fintech and digital finance sectors, with particular focus on payment services, licensing and investment processes. He supports fast-growing technology firms, financial institutions and international investors in designing compliant products, scaling regulated operations and preparing for financing rounds. His work covers the full lifecycle of payment businesses, including PSD2-compliant models, authorisations, partnership structuring and cross-border expansion. He frequently advises growth companies on fundraising, helping them navigate negotiations with venture capital funds and implement governance frameworks that support investor readiness. Wojciech also represents investment funds in transactions involving technology and financial-sector companies, ensuring regulatory alignment and efficient execution. He works closely with product and compliance teams to translate regulatory requirements into practical operating models, including embedded-finance solutions, AML/CTF processes and projects involving elements of blockchain or tokenisation.

Experience

Wojciech has built his experience across leading legal, investment and technology environments, with a strong focus on regulatory and transactional matters in fintech. He began his career advising VC and PE funds on investments and restructurings, later becoming a partner at Brillaw, where he supported high-growth technology companies expanding into regulated financial markets. He co-founded CobinAngels, serving as Head of Legal and advising founders and investors throughout the fundraising cycle, including early-stage and growth-stage rounds and regulatory risk assessments. He has acted as external legal counsel to a number of growth companies, including Golem Factory, Cookie3 and Accountable, providing ongoing strategic support across regulatory matters, product structuring, licensing analysis and preparation for financing rounds. In these engagements, he advises companies on aligning their financial and technological products with regulatory expectations, designing scalable operating models, managing compliance risk and positioning themselves effectively for investors, partners and new markets. His work consistently bridges regulatory requirements with commercial objectives, supporting payment institutions, fintech firms and digital-finance businesses in market entry, product development, partnerships and fundraising.

Career

Wojciech Ługowski is a leading Polish lawyer specialising in finech, payment services and investment transactions. As a founder and managing partner of Lawarton, he advises financial innovators, scale-ups, investors and established market players on high-value investments, regulatory strategy and complex corporate structuring. His practice spans the full spectrum of payment services, including PSD2 matters, licensing and cross-border market entry. He is recognised for guiding clients through major regulatory transformations in the european financial sector, particularly in payments and digital finance. With extensive experience in VC/PE transactions, governance and capital raising, he supports both investors and founders across fintech, SaaS and digital-infrastructure sectors.

Wojciech combines regulatory insight with practical transactional expertise, helping clients design scalable financial models, meet licensing expectations and expand across the EU. He is the co-author of the Poland chapter of the Chambers Global Practice Guide: Fintech 2025 and serves on the Regulatory Councils of Fintech Poland and Future Finance Poland.

Personal

Outside of work, he appreciates moments of peace and quiet away from the hustle and bustle - in the mountains and forests, where technology gives way to nature.

Clients

Golem Factory, Liquidity Systems (DeltaPrime), InPost (Integer Group), CH Europe Digital Solution (Ceffu Group), Binance Poland (Binance Group), Accountable, RealityNFT, Oanda TMS Brokers, Arcus Group, FinTech Poland Foundation and other financial institutions, technology companies and digital asset service providers.

Education