The business of payments can indeed accumulate a lot of systemic risk and the payment rails and hubs lay out the necessary foundation of trust for a vibrant global economy. Thus, the regulatory framework is complex and rigid in some respects. The second iteration of the EU payment services directive and its emphasis on security alongside the NIS Directive require prior in-depth knowledge, technological savviness, and deep understanding of the interplay with the AML, GDPR and CRD/CRR legal regimes. Our team has been providing such advice for many years, to leading technological giant in the payment industry, challenger banks and one-stop-shop payment platforms. We possess the unique mix of skills to advise on the cross-over of essential services providers' infosec legal requirements, payment regulations and data privacy and anti-money laundering complex playbooks, combining EU and national legal provisions. We routinely draft the necessary contractual documentation comprising ICT outsourcing, Sponsorship / BIN Agreements, Acquiring Services, Representatives and Distribution Agreements, digital onboarding and regtech sourcing agreements, etc. Our regulatory team helps draft the entire internal documentation, including the business plan and the asset safeguarding and investment internal rules, to help speed track the client's licensing process. To provide a 360-degree service, we represent our client in front of all competent institutions, custodian banks and registry agencies, manage the trademark portfolio and take care of the client's trade secret and key personnel agreements.