Research & Insights
Regulatory analysis, compliance guidance, and strategic perspective for founders and executives navigating Latin America's financial landscape.
Your user in Madrid is European: what the EU will demand from a Latin American app from January
From 11 January 2027 a non-EU firm cannot take deposits from, lend to or guarantee EU residents without a branch, unless the client came looking for it. The rule looks at residence, not passports. What it means for a Latin American fintech app with users in Spain, Italy or Portugal, and why Colombia signed the same rule in 2012.
USDC competes with the bank. USDT competes with the dollar.
The BIS has just measured, for the first time, whether stablecoins pull deposits away from banks. The answer is yes for USDC and barely for USDT. That changes the regulatory conversation in Latin America: the risk is not the term deposit, it is the dollar.
The Critical Path to a Supervised Entity in Colombia (2026)
What the Superintendencia Financiera actually reviews, in what order, how long each stage takes on paper and in practice, and where foreign fintechs lose months. A four-page briefing for the people who own market entry.
Whitepaper Regulatorio: El Fin del Exchange Offshore No Licenciado (Perspectivas Post-MiCA 2026)
Estudio normativo sobre la extinción del modelo CEX offshore sin licencia, el fin del reverse solicitation, la segregación patrimonial Art. 70 MiCA y la convergencia VASP en LatAm.
Playbook de Evacuación y Retiro de Fondos CEX: Guía Práctica para Tesorerías Corporativas y Usuarios
Guía paso a paso de evacuación tras el cese de BitMart y BitMEX: cronograma de fechas límite, exportación de CSVs para DIAN/IRS, KYC/AML y alertas de phishing.
El Dominó de Julio de 2026: Cómo MiCA y la Migración a DEXs Extinguieron a AscendEX, BitMEX y BitMart
Análisis del colapso coordinado de tres exchanges de tamaño medio en solo 26 días tras el vencimiento del periodo de gracia de MiCA y la bifurcación de la liquidez.
Banca y Stablecoins: desde el riesgo se perfila un tratamiento común
Stablecoins y su regulación Las stablecoins son un tipo de criptomoneda cuyo valor se establece en función de una moneda fiduciaria o de otro activo subyac
Structuring a Crypto Exchange for Colombian Regulatory Compliance
A Colombian-based CASP needed a compliant operating structure before regulatory scrutiny intensified. We designed a mandate/agency architecture that minimized tax exposure while satisfying UIAF reporting requirements.
3 Ways Fintechs Can Unlock Banking Access
Gaining banking access remains one of the biggest hurdles for fintech companies. Here are three strategic approaches to build the relationships that unlock growth.
5 Red Flags in Virtual Assets Compliance to Watch Now
As the crypto industry evolves, so do the tactics of those seeking to exploit its vulnerabilities. Here are five critical compliance red flags every fintech and crypto firm should monitor.
From Rejection to Partnership: Banking Access for a Colombian Neobank
A Colombian fintech was repeatedly rejected by local banks due to AML gaps and unclear ownership structures. Here's how we restructured their compliance program and secured three banking relationships in 90 days.
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