Peru fintech lawyer
Fintech companies operating across the U.S.–Peru corridor face a dual regulatory landscape: U.S. federal and state financial-services laws on one side, and Peruvian financial regulation on the other. Law Offices of SRIS, P.C., a U.S. law firm with an international clientele, provides U.S.-side legal counsel to fintech founders, payment platforms, digital lenders, and blockchain ventures whose business touches both jurisdictions. The firm’s U.S.-admitted attorneys advise on securities compliance, money-transmitter licensing, anti-money-laundering (AML) obligations, and cross-border contracting, while collaborating with Peru-admitted Of Counsel for matters governed by Peruvian law. For Peru-law matters, the firm works with Martín Mayandía, Of Counsel, admitted to practice law in Peru (2009) and not admitted in any U.S. state bar; that role is limited to Peru-law matters in collaboration with the U.S.-admitted attorneys of the firm. All U.S.-law aspects are handled by Mr. Sris and the U.S.-admitted attorneys of the firm. To discuss your cross-border fintech needs, reach Law Offices of SRIS, P.C. at (888) 437-7747.
What a cross-border fintech practice covers
A cross-border fintech practice addresses the U.S. regulatory framework that applies when a fintech company has operations, customers, or capital sources connected to Peru. The value lies in structuring the business to comply with U.S. law from the outset, avoiding enforcement actions that can derail a cross-border venture. The U.S. side typically involves federal securities laws—including the Securities Act of 1933 and the Securities Exchange Act of 1934—when a fintech offers tokenized assets, equity crowdfunding, or investment products. The Commodity Futures Trading Commission (CFTC) may assert jurisdiction over digital-asset derivatives. At the state level, money-transmitter licensing requirements under laws such as the New York BitLicense or the Washington Uniform Money Services Act can apply to payment processors and digital wallets. The Financial Crimes Enforcement Network (FinCEN) imposes AML and know-your-customer (KYC) obligations on money-services businesses, and the Bank Secrecy Act requires suspicious-activity reporting. For a fintech with a Peru nexus, the U.S. analysis must also consider how Peruvian regulatory classifications—such as those administered by the Superintendencia de Banca, Seguros y AFP (SBS)—interact with U.S. licensing triggers. The firm’s U.S. attorneys focus on the U.S. side; the Peru-admitted Of Counsel addresses the Peruvian side.
How Mr. Sris and his Of Counsel network handle these matters
Mr. Sris, the firm’s founder and managing attorney, leads the U.S.-law analysis for fintech clients, while Martín Mayandía, Of Counsel, provides Peru-law support under a strict jurisdictional separation. This structure ensures that each legal question is answered by an attorney admitted in the relevant jurisdiction. Mr. Sris is admitted in Virginia, Maryland, the District of Columbia, New Jersey, and New York, and he has practiced since 1997. He advises on U.S. securities registration, money-transmitter licensing, and AML compliance. For Peru-law matters, the firm works with Martín Mayandía, Of Counsel, admitted to practice law in Peru (2009) and not admitted in any U.S. state bar; that role is limited to Peru-law matters in collaboration with the U.S.-admitted attorneys of the firm. All U.S.-law aspects are handled by Mr. Sris and the U.S.-admitted attorneys of the firm. The two sides collaborate as needed—for example, when a Peruvian fintech seeks to raise capital from U.S. investors, Mr. Sris addresses the U.S. securities offering while Mr. Mayandía confirms that the structure complies with Peruvian corporate and financial-services law. No attorney practices law in a jurisdiction where they are not admitted.
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 admitted in Virginia, Maryland, the District of Columbia, New Jersey, and New York. He founded the firm in 1997 and has built a cross-border practice that serves international clients with U.S. legal needs. Mr. Sris testified before the Virginia House Courts of Justice Committee in support of 2019 HB 635 (chief patron Del. David Bulova), the bill that became the 2019 revision to Va. Code § 20-107.3(g). For Peru-connected fintech matters, the firm’s Of Counsel network includes Martín Mayandía, who is admitted to practice law in Peru (2009) and not admitted in any U.S. state bar. Mr. Mayandía’s role is limited to Peru-law matters in collaboration with the U.S.-admitted attorneys of the firm. The firm has no employees; all non-Sris attorneys serve as Of Counsel. Consultations are by appointment at the firm’s Virginia principal location.
Frequently asked questions
What does a Peru fintech lawyer do?
A Peru fintech lawyer handles the U.S. legal aspects of a fintech business that has operations, customers, or investors in Peru, working alongside Peru-admitted counsel for Peruvian-law matters. The U.S. side typically involves securities compliance, money-transmitter licensing, AML/KYC obligations, and cross-border contracting. The lawyer ensures that the fintech’s U.S. activities do not trigger unregistered securities offerings or unlicensed money-transmission. For the Peruvian side, the firm collaborates with Martín Mayandía, Of Counsel, admitted in Peru (2009) and not admitted in any U.S. state bar. This division of labor keeps each legal question within the proper jurisdiction. For guidance on your specific situation, reach Law Offices of SRIS, P.C. at (888) 437-7747.
Do I need a lawyer in Peru for my fintech startup?
If your fintech startup has a Peruvian entity, customers in Peru, or is subject to Peruvian financial regulation, you need Peru-admitted counsel for Peruvian-law matters, and U.S. counsel for any U.S.-law issues. A U.S. lawyer cannot advise on Peruvian law, and a Peruvian lawyer cannot advise on U.S. law. The firm’s model pairs Mr. Sris, a U.S.-admitted attorney, with Martín Mayandía, Of Counsel, who is admitted in Peru (2009) and not admitted in any U.S. state bar. This ensures that each jurisdiction’s requirements are addressed by a qualified professional. The U.S. attorney handles SEC, FinCEN, and state-licensing questions; the Peru-admitted Of Counsel handles SBS registration, Peruvian corporate governance, and local data-protection rules.
How can a U.S. lawyer help with Peruvian fintech regulations?
A U.S. lawyer does not interpret Peruvian regulations but helps structure the U.S. side of a cross-border fintech so that it does not inadvertently violate U.S. law while complying with Peruvian requirements. For example, a Peruvian digital-wallet provider that wants to serve U.S. customers must comply with U.S. money-transmitter laws and FinCEN registration. The U.S. lawyer analyzes those obligations and coordinates with the Peru-admitted Of Counsel to ensure the overall structure is coherent. The firm’s Peru-law support is provided by Martín Mayandía, Of Counsel, admitted in Peru (2009) and not admitted in any U.S. state bar. All U.S.-law aspects are handled by Mr. Sris and the U.S.-admitted attorneys of the firm.
What U.S. regulations apply to fintech companies with Peru operations?
U.S. regulations that commonly apply include federal securities laws, the Bank Secrecy Act, FinCEN rules for money-services businesses, and state money-transmitter licensing statutes. If the fintech offers digital assets that are deemed securities, the Securities Act of 1933 and the Securities Exchange Act of 1934 govern registration and anti-fraud provisions. The CFTC may regulate commodity-based digital assets. The Financial Crimes Enforcement Network (FinCEN) requires registration and AML compliance for money transmitters. State laws, such as the New York BitLicense, add another layer. The firm’s U.S. attorneys analyze which of these apply to a given business model. For Peruvian regulatory questions, the firm collaborates with Martín Mayandía, Of Counsel, admitted in Peru (2009) and not admitted in any U.S. state bar.
How do I engage cross-border counsel for my fintech business?
You can contact Law Offices of SRIS, P.C. at (888) 437-7747 to schedule a consultation about your cross-border fintech matter. During the consultation, Mr. Sris will discuss the U.S. legal issues and determine whether Peru-law support from Martín Mayandía, Of Counsel, is needed. The firm’s engagement letter will clearly delineate which attorney handles which jurisdiction’s law. All consultations are by appointment at the firm’s Virginia principal location. No attorney-client relationship is formed by an initial inquiry; the firm will confirm representation in writing after a conflict check.