Fintech Legal & Compliance Services Across Africa

By ClintonOur Publications

Pan-African Legal Support for Fintechs

Scaling Legally. Operating Confidently. Across Africa

As fintech innovation accelerates across Africa, startups and global platforms face the challenge of navigating fragmented legal systems, inconsistent licensing regimes, and evolving compliance rules.

At Clinton Consultancy, we help fintech companies—startups, scale-ups, and established platforms—expand their footprint across multiple African jurisdictions with strategic legal guidance and full-spectrum compliance frameworks.

Regional Markets We Serve

We advise fintech companies entering or scaling in:

  • Ghana

  • Nigeria

  • Kenya

  • Rwanda

  • Sierra Leone

  • South Africa

  • Francophone West Africa (via partners)

  • UAE-to-Africa corridors (especially remittance & crypto platforms)

 What We Offer Fintech Clients

 Multi-Jurisdiction Legal Setup

  • Incorporation & structuring of fintech entities

  • Local partner agreements where equity requirements apply

  • Cross-border tax & profit repatriation structures

 Licensing & Regulatory Navigation

  • Electronic Money Issuer (EMI) and Payment Service Provider (PSP) licensing

  • Central Bank interface (BoG, CBN, CBK, etc.)

  • Regulatory filings and investor protection frameworks

KYC/AML Strategy

  • Drafting of onboarding, AML, and transaction monitoring policies

  • Beneficial ownership declarations & source-of-funds frameworks

  • Screening & PEP protection systems

 User Agreements & Commercial Contracts

  • Merchant terms, gateway integration agreements

  • Partner, reseller, and B2B platform contracts

  • Consumer protection clauses & dispute mechanisms

 Crypto & Digital Asset Advisory

  • Regulatory positioning for blockchain and token-based products

  • Crypto-to-fiat gateway licensing

  • Risk-mapping for tokens, stablecoins, or wallet platforms

 Data Protection & Fintech Risk

  • Compliance with Data Protection Acts (Ghana, Nigeria, South Africa)

  • Customer data localization advice

  • Legal risk reviews for cross-border data handling

Recent Assignments

  • Structured EMI license application for a Ghana-based payment platform expanding to Kenya and Nigeria

  • Reviewed and updated AML/KYC frameworks for a Pan-African crypto exchange

  • Led legal negotiations between fintech and regional telecom partners

  • Drafted digital lending agreements and cross-border merchant onboarding framework

 Why Fintechs Choose Us

  • Continental capability, local legal insight

  • Fast turnaround on licensing, filings, and contracts

  • Discreet interface with regulators and Central Banks

  • Scalable compliance systems for growth-stage fintechs

  • Long-term support beyond initial market entry

 Let’s Talk Fintech Expansion

WhatsApp / Phone: +233 27 252 2695
Email: amanda@clintonconsultancy.com