Josef Mercieca
Tax Partner
Fintech Advisory: Legal, Financial & Corporate Support
Whether launching a digital asset exchange or relocating a licensed payment platform to Malta, BDO Malta provides integrated legal, financial, and corporate advisory services to support a smooth and compliant transition. Our team advises on blockchain-related initiatives, including Initial Token Offerings (ITOs), structuring of DLT-based trading activities, and performance audits to promote transparency, accountability, and investor confidence.
Adapting to Regulatory Developments
Regulatory expectations for fintech businesses are becoming more clearly defined, particularly in areas such as crypto-assets and electronic payments. The Markets in Crypto-Assets Regulation (MiCA) introduces a harmonised licensing regime for crypto-asset service providers, while Electronic Money Institutions (EMIs) must continue to meet rigorous authorisation, safeguarding, and risk management standards.
BDO Malta supports clients in interpreting and applying these regulatory frameworks. From licensing applications to internal control reviews, we help fintech operators align their activities with legal obligations and supervisory expectations—both locally and across the EU.
Strategic Insights to Support Fintech Growth
Building a successful fintech or blockchain business requires more than technical innovation. Achieving sustainable growth depends on sound governance, forward-looking financial planning, and regulatory readiness.
Our multidisciplinary team brings together legal, tax, accounting, and compliance expertise to help clients:
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Advice on the best legal structure for their operations
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Prepare for licensing under MiCA, PSD2, or EMI regulations
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Leverage available tax incentives and financial reporting support
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Enhance operational resilience through tailored internal policies
At BDO Malta, we value collaboration and open exchange with the fintech community. Whether supporting start-ups or established operators, we offer practical, informed guidance aligned with each client’s strategy and stage of growth.
