
June 2025
Andrei Cosma, Jasmine Botis, and Cosmin Todirascu contributed a comprehensive overview of the legislative framework impacting fintech in Romania, helping companies active across various sectors stay connected with the relevant information in the field.
The material is part of the comparative legal guides series produced by Lexology In-Depth and adds to the 22 jurisdictions included in the 2025 repository.
In more details, In-Depth: Fintech Law (formerly The Financial Technology Law Review) provides a global overview of the fast-evolving fintech sector. It covers the most salient points of law and practices in each jurisdiction, including key licensing and other regulatory requirements, common business models and digital markets, intellectual property, data protection, and much more, as the editorial team mentioned.
In crafting the Romanian chapter, Andrei, Jasmine, and Cosmin effectively combined their expertise in fintech and related fields with thorough research and structured information. This careful approach ensures that the overview offers practical and straightforward insights into commonly encountered fintech concepts.
Specific topic covered by the overview include:
- Licensing and marketing
- Credit information services
- Cross-border issues
- Digital identity and onboarding
- Digital markets, payment services and funding
- Crowdfunding and crowdlending
- Cryptocurrencies, initial coin offerings and security tokens
- Tokenization of underlying assets
- Cryptocurrencies and tokens under anti-money laundering regulations
Complimentary access to the chapter is available to in-house lawyers for a certain period of time HERE.
The content of this material is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.
At BACIU PARTNERS, we believe in amplifying the sound of knowledge—by being among the first to respond to emerging challenges, to decode the tough questions our clients face, and to offer clarity where the legal and tech worlds intersect. This contribution is part of that ongoing commitment.