The convergence of finance and technology has reshaped the legal landscape, demanding agile solutions that balance innovation with regulatory compliance. At Muriungi, Kajuju & Karoki Advocates LLP, we support fintech startups, financial institutions, digital lenders, payment providers, and investors in navigating Kenya’s fast-evolving fintech ecosystem.
Our fintech legal services include:
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Licensing & Regulatory Compliance – Advising on Central Bank of Kenya (CBK) requirements, PSD regulations, digital lending rules, and anti-money laundering (AML/KYC) obligations.
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Digital Payments & Mobile Money Frameworks – Structuring agreements for payment gateways, wallet providers, and agent networks.
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Data Protection & Cybersecurity Compliance – Ensuring fintech platforms meet the Data Protection Act standards and implement privacy-by-design practices.
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Smart Contracts & Blockchain Solutions – Drafting legal frameworks for tokenisation, digital assets, and blockchain-based financial products.
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Venture Capital & Funding Transactions – Supporting fundraising, investor agreements, and equity structuring for fintech ventures.
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Platform Agreements & User Terms – Drafting compliant terms of service, merchant agreements, and consumer protection policies.
We understand the pace of innovation and offer legal guidance that enables growth without compromising compliance. Whether launching a digital product or expanding a fintech operation, we provide forward-thinking counsel built for the future of finance.