Peru fintech lawyer
The expansion of fintech across Latin America has created a surge in cross-border legal demand. Whether a Peru-based startup is raising capital from US investors, launching a digital wallet with US-dollar rails, or a US fintech is entering the Peruvian market through a partnership, the legal landscape spans two distinct regulatory systems. Law Offices of SRIS, P.C., a US law firm with an international clientele, assists clients in navigating these complexities. Mr. Sris, the firm’s founder, and his Of Counsel network provide coordinated support for fintech ventures that operate between the United States and Peru. Reach the firm at (888) 437-7747 to discuss your situation.
What This Cross-Border Practice Area Covers
Fintech between the United States and Peru involves the interaction of US federal and state laws with the Peruvian regulatory framework. On the US side, fintech companies may face Securities and Exchange Commission (SEC) registration requirements, Commodity Futures Trading Commission (CFTC) oversight for certain derivatives, anti-money laundering (AML) obligations under the Bank Secrecy Act, and state-level money transmitter licensing. Data privacy and cybersecurity obligations under the Gramm-Leach-Bliley Act, the California Consumer Privacy Act (where applicable), and the European General Data Protection Regulation (for companies with EU touchpoints) add additional layers.
In Peru, fintech regulation is anchored in the legal framework administered by the Superintendencia del Mercado de Valores (SMV) and the Superintendencia de Banca, Seguros y AFP (SBS). Fintech companies must assess whether their activities trigger securities, banking, or payment-system regulation. For example, a peer-to-peer lending platform may require registration with the SBS, while a crowdfunding portal could be subject to SMV rules. Cross-border transactions also implicate Peruvian exchange-control reporting and tax withholding obligations. A coordinated US–Peru legal strategy is essential to avoid regulatory gaps or duplication.
How Mr. Sris and His Of Counsel Network Handle These Matters
When a fintech matter involves both US law and Peruvian law, Law Offices of SRIS, P.C. takes the lead on the US side. Mr. Sris and the firm’s US-licensed attorneys handle all US regulatory analysis, entity formation, SEC and state-level compliance, contract drafting under US law, and representation before US agencies. They work in parallel with the firm’s Of Counsel in Peru.
The firm’s Peru Of Counsel, Martín Mayandía, is admitted to practice law in Peru. He is not admitted to practice law in the United States. Mr. Mayandía provides advice on Peruvian regulatory requirements, assists with Peruvian corporate structures, and handles matters before the SMV and SBS. The US and Peruvian teams collaborate as needed while maintaining a strict jurisdictional separation: the US-licensed attorneys address US law, and Mr. Mayandía addresses Peruvian law. This model gives clients a single point of coordination while ensuring that legal work is performed by attorneys admitted in the relevant jurisdiction.
About Mr. Sris and the Sriscounsel Of Counsel Network
Mr. Sris, Owner and Founder of Law Offices of SRIS, P.C., is a former prosecutor. He is admitted to practice law in Virginia, Maryland, the District of Columbia, New Jersey, and New York. Mr. Sris has built a practice dedicated to cross-border matters on behalf of international clients, with a focus on clear jurisdictional lines and collaborative structures that protect clients from unauthorized-practice risk.
The firm’s Of Counsel network includes attorneys admitted in their home countries who are not admitted in any US state bar. Through this network, the firm coordinates Peruvian law capabilities alongside its US practice. Clients with fintech matters touching Peru benefit from a coordinated approach in which the US-law side is handled by Mr. Sris and his US-licensed colleagues, while the Peruvian-law side is handled by a qualified Peruvian attorney — without requiring the client to manage two separate law firms.
Frequently Asked Questions
Do I need both a US-admitted lawyer and a Peru-admitted lawyer for my fintech venture?
Yes, if your venture is subject to regulation in both countries. A US-admitted attorney can handle SEC compliance, state money-transmitter licensing, and other US law aspects. A Peruvian-admitted attorney can address SMV, SBS, and Peruvian corporate law requirements. The firm’s model allows you to work with one point of contact while receiving advice from attorneys admitted in the respective jurisdictions.
How does the firm ensure that US law advice is not given by its Peru Of Counsel?
The firm maintains a strict jurisdictional separation. Mr. Sris and his US-licensed colleagues handle all US-law advice and representation. Perú Of Counsel, who are admitted in Peru but not in any US state bar, limit their work to Peruvian law matters. When advice requires coordination, the two sides communicate as needed, but each attorney operates within the bounds of their own licensure.
What fintech activities in Peru require registration with the SBS?
Under Peruvian law, entities that engage in financial intermediation, payment processing, or digital-wallet services that fall within the scope of banking regulation may require SBS registration or authorization. The specifics depend on the nature of the activity: a peer-to-peer lending platform, a remittance service, and a cryptocurrency exchange each face different regulatory treatment in Peru. A Peruvian-admitted attorney can evaluate whether a particular fintech model triggers SBS oversight.
Does the firm handle US securities law issues for Peruvian fintechs?
Yes. Mr. Sris and the US-licensed attorneys at Law Offices of SRIS, P.C. can advise on US securities law implications, including whether a token or digital asset qualifies as a security under the Howey test, the application of Regulation D or Regulation S offering exemptions, and compliance with the Investment Company Act of 1940. Peruvian-law issues — such as registration with the SMV — are handled separately by the firm’s Peru Of Counsel.
How do I reach the firm about a Peru fintech matter?
You can contact Law Offices of SRIS, P.C. at (888) 437-7747. The intake team will gather basic information about your matter and schedule a consultation with Mr. Sris and, as appropriate, the firm’s Peru Of Counsel. Because the firm does not maintain a physical location in Peru, all meetings are by appointment and conducted virtually or at a US firm location.
Attorney responsible for this content: Atchuthan Sriskandarajah, Esq., admitted in Virginia, Maryland, the District of Columbia, New Jersey, and New York. Attorney responsible for this advertising in the State of New Jersey: Atchuthan Sriskandarajah, Esq. Law Offices of SRIS, P.C. is a US law firm. Foreign attorneys collaborating with the firm are not admitted to the practice of law in any US state and their work is limited to matters of foreign law and to liaison roles with US-licensed attorneys.
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Law Offices of SRIS, P.C. attorneys are admitted to practice law in Virginia, Maryland, the District of Columbia, New Jersey, and New York. The firm collaborates with foreign-jurisdiction Of Counsel attorneys on matters involving foreign law. No attorney in the firm or its Of Counsel network practices law in a jurisdiction where they are not admitted.