/ Fintech, Innovation & Emerging Technologies

Legal counsel for financial and digital transformation.

Comprehensive Advisory for a Digital Future

The technological and financial ecosystem is evolving rapidly, driving business models that combine innovation, technology, and regulation.

At Bright Alliance | BA Chile, we support startups, financial institutions, and technology companies in the design, implementation, and consolidation of projects based on financial technology (Fintech) and digital solutions, ensuring regulatory compliance, operational efficiency, and the protection of strategic assets.

Our advisory services cover both the legal and regulatory structuring of new financial models and the management of risks associated with technological innovation, integrating Law, Strategy, and Business into a modern, preventive, and global approach.

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Modalidades de Asesoría

Ofrecemos tres modalidades complementarias, que permiten ajustar la profundidad y continuidad del servicio jurídico a la realidad de cada empresa:

Asesoría Caso a Caso

Intervención puntual en materias jurídicas específicas, tales como contratos, consultas, litigios o informes legales, entregando soluciones precisas y ágiles.

Asesoría por Proyecto

Acompañamiento integral en procesos con objetivos definidos, como reestructuraciones societarias, expansiones, fusiones y adquisiciones, implementación de programas de cumplimiento, auditorías legales o proyectos internacionales.

Departamento jurídico externo

Servicio permanente que integra a nuestro equipo como una unidad legal funcional dentro de la empresa, brindando apoyo continuo en todas las áreas de su entorno jurídico, y actuando como un aliado estratégico en la gestión, prevención y toma de decisiones, aportando eficiencia, ahorro, continuidad y valor al negocio.

Areas of Specialization

Bajo cualquiera de estas tres modalidades, Bright Alliance | BA Chile presta asesoría jurídica especializada en las principales materias que conforman el Derecho de la Empresa:

Incorporation and regulatory structuring of Fintech companies in accordance with Law No. 21,521 (Fintech Law) and regulations issued by the Financial Market Commission (CMF).
Advisory services for platform registration, licensing, operating models, and ongoing regulatory compliance before the authority.

Legal advisory services for the creation, structuring, and operation of innovative technological and financial models, in compliance with the applicable regulatory framework and the security, traceability, and compliance requirements established by the Financial Market Commission (CMF) and the Financial Analysis Unit (UAF).
This includes the implementation of internal policies and procedures aimed at compliance with Circular No. 62, which regulates anti-money laundering (AML), counter-terrorism financing (CTF), and due diligence obligations applicable to Fintech entities and digital financial service providers.

Design of corporate and tax-efficient structures tailored to technological and financial business models, including the creation of investment vehicles, holdings, and subsidiaries, with coordinated national and international regulatory compliance.

Compliance with Law No. 19,628 and the regulatory framework on personal data protection.
Advisory services on privacy policies, data processing, liability in the event of security incidents, and the development of digital governance frameworks.

Registration and protection of software, algorithms, interfaces, and technological intangible assets.
Drafting and negotiation of development, licensing, and technology transfer agreements.

Drafting of technology services agreements, cloud computing contracts, outsourcing arrangements, API integrations, digital joint ventures, and confidentiality agreements.

Implementation of internal digital security policies; prevention of cybercrimes in accordance with Law No. 21,459 and Law No. 20,393 on corporate criminal liability.

Legal support for projects operating under supervised innovation schemes or regulatory sandbox frameworks, facilitating engagement with the CMF and other public authorities.

Bright Alliance | BA Chile embraces technological innovation as a key driver of business development.
Our role is to translate the legal complexity of emerging financial and digital models into clear, secure, and strategic solutions, enabling our clients to innovate with confidence and in full compliance with applicable regulatory frameworks.

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