A Foreign Fintech Founder's Guide to Philippine Regulatory Licensing in 2026: From BSP Applications to AMLC Registration

The Philippine fintech sector is not for the faint-hearted. In the five years between 2020 and 2025, the country saw the proliferation of digital banks, e-money issuers, online lending platforms, crypto exchanges, payment aggregators, and countless fintech startups — all operating within a regulatory environment that has been described by industry participants as "constantly moving targets." For foreign founders and investors, the challenge is compounded: the same regulatory landscape that local players find complex is overlaid with additional considerations around corporate structure, foreign equity thresholds, capitalization requirements under the Foreign Investments Act, and the practical reality that certain license categories are currently under moratorium, making entry into specific market segments either impossible or dependent on the acquisition of existing entities.

This guide is written for the foreign fintech founder, investor, or general counsel who needs a clear-eyed legal analysis of the current Philippine regulatory framework in 2026. We do not deal in generalizations. Every citation is verified. Every compliance obligation is traced to its statutory or regulatory source. By the end of this article, the foreign investor should have a clear picture of: (1) which regulatory licenses are available and accessible in 2026; (2) what the application and capitalization requirements are; (3) what compliance obligations attach once a license is obtained; and (4) what practical structuring decisions will shape the success or failure of a Philippine fintech venture.

I. The Philippine Fintech Regulatory Architecture: An Overview

The regulation of fintech in the Philippines is multi-agency and overlapping. There is no single "fintech license." Instead, the appropriate regulatory pathway depends entirely on the specific financial activity the foreign company intends to conduct. The two principal regulators are the Bangko Sentral ng Pilipinas (BSP) and the Securities and Exchange Commission (SEC), with the Anti-Money Laundering Council (AMLC), the National Privacy Commission (NPC), and the Bureau of Internal Revenue (BIR) each imposing separate compliance obligations on top of the primary licensing regime.

The BSP regulates financial institutions under its supervisory authority, including banks, non-bank financial institutions (NBFIs), electronic money issuers (EMIs), virtual asset service providers (VASPs), payment system operators, and digital banks. The SEC regulates securities and capital markets participants, and has asserted increasing oversight over online lending platforms (OLPs) and fintech-adjacent activities. Understanding which regulator has jurisdiction over your intended activity is the first and most critical legal question.

II. Choosing the Right Corporate Structure

A. The Primacy of SEC Registration

Before any BSP license application, a foreign fintech company must first establish a Philippine legal entity. This is not optional. The BSP and SEC both require that applicants be incorporated under Philippine law, meaning a foreign company cannot apply for a BSP license in its own name — it must first register a branch, representative office, or domestic subsidiary with the SEC.

For a discussion of the structural options available — including Regional Operating Headquarters (ROHQs), branch offices, and domestic subsidiaries — reference our earlier comprehensive guide on ROHQ vs. Branch Office vs. Subsidiary: Choosing the Right Philippine Business Structure as a Foreign Investor. For fintech purposes, the most common and practical choices are:

• Domestic Subsidiary: A Philippine corporation with its own legal personality, in which the foreign investor holds some or all of the shares. This is the most flexible structure and is the standard choice for fintech companies seeking BSP licensing.
• Branch Office: An extension of the foreign parent company, filing under the parent's balance sheet and subject to the parent company's liabilities. Less commonly used for fintech due to the complexity of reporting requirements, but may be appropriate for a regional hub model.
• Representative Office: Cannot conduct commercial business or generate revenue in the Philippines — making it essentially useless for fintech purposes.

B. Foreign Equity Considerations

Foreign equity in Philippine fintech companies is largely liberalized, but subject to important exceptions:

Under the CREATE MORE Act (Republic Act No. 12066), passed in November 2024, the foreign investment regime was significantly modernized. RA 12066 streamlined the regulatory framework for investments, rationalized tax incentives under the Corporate Recovery and Tax Incentives for Enterprises to Maximize, Offer, and Rewarded Development for More Opportunities and Development for More Enterprises Act, and created the Investment Lifecycle Framework to reduce the time required to establish a business in the Philippines. Critically, RA 12066 did not introduce new specific foreign ownership provisions for fintech — but by reducing the overall regulatory burden on foreign-invested enterprises, it made the Philippines a more attractive destination for fintech capital.

Under Republic Act No. 10881, enacted in August 2016, the nationality requirements that previously limited foreign ownership in lending companies were repealed outright. Foreign nationals may now own up to 100% of the voting stock in lending companies registered with the SEC under the Lending Company Regulation Act (Republic Act No. 9474). However, this liberalized ownership regime carries an important caveat: if a lending company acquires land in the Philippines — for example, through foreclosure of a loan secured by real property — foreign ownership is capped at 40%, consistent with the constitutional prohibition on foreign ownership of land. The lending company in such circumstances may take possession of land only for a period not exceeding five years, after which the land must be transferred to a qualified Philippine national.

Under the Foreign Investments Act of 1991 (Republic Act No. 7042, as amended by Republic Act No. 11647), domestic market enterprises with more than 40% foreign equity must meet a minimum paid-up capital of US$200,000. This minimum can be reduced to US$100,000 if the enterprise involves advanced technology or employs at least 50 direct Filipino employees — a provision that some fintech companies with proprietary AI or blockchain technologies have been able to invoke. Export enterprises are subject to a lower US$100,000 minimum regardless of equity structure.

III. The BSP Licensing Framework in 2026

A. The Categories of BSP Licensing Relevant to Foreign Fintech

The BSP issues a range of licenses relevant to fintech companies. The principal categories are:

1. Electronic Money Issuer (EMI) License

An EMI is a non-bank institution that issues e-money — digital representations of fiat currency that can be used to make payments, transfers, or other financial transactions. EMIs are the primary license category for digital wallet operators, mobile payment apps, and reload networks in the Philippines.

The BSP had previously imposed a moratorium on new EMI licenses for non-bank financial institutions. That moratorium was lifted effective December 16, 2024, meaning foreign companies can now apply for EMI licenses, subject to meeting stringent requirements. The key requirements include:

• Demonstration of a sustainable and viable business model;
• Clear and documented funding sources;
• Adequate capital adequacy relative to the proposed scale of operations;
• Robust risk management and internal control systems;
• Evidence that the proposed product or service involves a new business model, addresses an unserved or underserved market, or utilizes new technologies; and
• Board and senior management fit and proper standards, with a majority of directors being Philippines residents.

The minimum capitalization requirements for EMIs vary by category. Large-scale EMIs require a minimum paid-up capital of PHP 200,000,000. Small-scale EMIs require PHP 100,000,000. These figures represent significant capital commitment and are among the highest for any fintech license category in Southeast Asia.

2. Virtual Asset Service Provider (VASP) License

A VASP is an entity that conducts virtual currency exchange operations — the buying, selling, or conversion of virtual assets (cryptocurrencies) into fiat currency or other virtual assets. The BSP has imposed a moratorium on the issuance of new VASP licenses indefinitely, effective from September 2025 when the previous three-year moratorium (originally imposed September 2022) was extended without a defined end date by the BSP due to the heightened risks associated with virtual assets and the BSP's consumer protection and financial stability concerns.

In practice, this means that as of 2026, no new entrant — foreign or domestic — can obtain a VASP license through a fresh application. However, existing BSP-supervised financial institutions (banks and other licensed entities) may still apply to expand their operations to include VASP services. The practical implication for foreign investors is that VASP licensing in the Philippines in 2026 is only accessible through the acquisition of an existing entity that holds a VASP license, or through a partnership with an existing licensee.

There are indications that the BSP may lift or modify the VASP moratorium in the future as its regulatory framework matures, but no firm timeline has been established.

3. Digital Bank License

The BSP has stopped accepting new applications for digital bank licenses. As of December 2024, BSP Circular No. 1205 set a cap of 10 digital banks and imposed transition requirements for existing banks seeking to convert to digital models. The practical result is that the digital banking segment is closed to new entrants in 2026, and foreign investors seeking to establish digital banking operations must explore alternative structures — typically, obtaining a regular (analog) bank license, which is an enormously capital-intensive undertaking requiring minimum unimpaired capital of PHP 2,000,000,000 for a regular commercial bank.

4. Operator of Payment Systems (OPS) Certificate

An OPS certificate is required for entities that operate payment system infrastructure — payment gateways, payment aggregators, clearing houses, and similar platforms that facilitate the movement of funds between parties. The OPS framework is governed by the National Payment Systems Act (Republic Act No. 11127) and its implementing regulations. Foreign companies operating payment system infrastructure in the Philippines must obtain an OPS certificate from the BSP.

5. Lending Company Registration (SEC + BSP Oversight)

Lending companies — entities that extend credit to consumers or businesses — are primarily regulated by the SEC under RA 9474 and separately by the BSP in certain contexts. The SEC has imposed a moratorium on new Online Lending Platform (OLP) applications since 2021, with discussions ongoing between the SEC and BSP regarding the possible transfer or sharing of supervisory powers over OLPs, which could lead to the lifting of the moratorium and potentially higher capitalization requirements for new players.

For foreign investors, the combination of the OLP moratorium and the VASP moratorium means that two of the most active fintech segments — online lending and crypto exchange — are either closed or effectively closed to new market entrants in 2026. Investors must factor this into their market entry strategy.

B. The BSP Regulatory Sandbox: A Path to Market Entry

For fintech companies whose intended activity does not clearly fit within an existing license category, or for innovative products that do not yet have a defined regulatory pathway, the BSP offers the Regulatory Sandbox Framework, institutionalized by BSP Circular No. 1153, Series of 2022. The sandbox provides a controlled, time-bound, live testing environment — typically up to 12 months — during which innovative financial products and services can be tested with real consumers under BSP supervision.

Eligibility for the sandbox is broad. It is open to BSP-Supervised Financial Institutions (BSFIs), third-party service providers, and new players intending to offer financial solutions under the BSP's regulatory purview. Eligible innovations typically involve new or emerging technologies, the innovative use of existing technologies, or products that address a market gap in the delivery of financial services. The BSP has specifically highlighted AI and machine learning, internet-of-things, robotics process automation, quantum computing, and decentralized ledger technology as areas of interest.

Successful sandbox participants can then apply for a formal license to offer their products or services to the public. Unsuccessful participants must implement an agreed-upon exit plan. For foreign fintech companies, the sandbox offers a structured path to demonstrating regulatory compliance and building a track record with the BSP before committing to the full capitalization and infrastructure requirements of a formal license application.

IV. SEC Registration for Fintech Companies

A. Lending Companies Under RA 9474

A lending company must be registered with the SEC as a corporation or one-person corporation before it can operate. The company name must reflect its lending business (e.g., "XYZ Lending Company" or "ABC Financing Company"), and the Articles of Incorporation must explicitly state that the company is organized for the purpose of engaging in the lending business. The majority of the Board of Directors must be residents of the Philippines.

Under Republic Act No. 9474 (the Lending Company Regulation Act of 2007), the minimum paid-in capital for a lending company is PHP 1,000,000. However, as of February 2026, the SEC has announced plans to increase this minimum capital requirement significantly — to PHP 10,000,000 — with additional capital required for each lending platform operated by a single entity, as a measure to curb predatory lending practices. Foreign investors should verify the current minimum capitalization requirements with the SEC directly before filing, as this figure is subject to adjustment.

B. Financing Companies Under RA 8556

Financing companies — entities that acquire receivables, extend floor stock financing, or provide funding to enterprises — are governed by Republic Act No. 8556 (the Financing Company Act of 1998). Under RA 8556, financing companies must be organized as stock corporations with at least 40% of their voting stock owned by Filipino citizens. However, foreign ownership above 40% is permitted, subject to the FIA capitalization requirements noted above.

Minimum paid-up capital requirements under RA 8556 vary by location:

• Metro Manila and other first-class cities: PHP 10,000,000
• Other cities: PHP 5,000,000
• Municipalities: PHP 2,500,000

Additional capital is required for each branch, agency, extension office, or unit. While RA 10881 liberalized foreign ownership in lending companies, it did not amend RA 8556's Filipino ownership floor for financing companies — meaning at least 40% Filipino ownership remains a structural requirement for financing companies, even as foreign investors may hold the remaining 60%.

V. AMLC Compliance: Mandatory Registration for All Fintech Entities

Every fintech company operating in the Philippines — regardless of whether it is a BSP-regulated institution or a general financing entity — must register with the Anti-Money Laundering Council (AMLC) as a "covered person" under the Anti-Money Laundering Act of 2001, as amended by Republic Act No. 10365 and Republic Act No. 11210. This registration obligation applies to all entities performing financial activities as defined under the AMLA, including lending companies, financing companies, e-money issuers, payment system operators, and remittance agents.

Upon AMLC registration, covered persons must:

• Submit a Money Laundering and Terrorist Financing Prevention Program (MTPP), which must be approved by the company's board of directors and must outline the entity's policies, procedures, and controls for preventing money laundering and terrorist financing;
• Appoint a Compliance Officer who will be responsible for ensuring adherence to AMLA requirements;
• Conduct customer due diligence (CDD) procedures, including know-your-customer (KYC) verification for all customers, enhanced due diligence for high-risk customers, and ongoing monitoring of transactions;
• File Suspicious Transaction Reports (STRs) with the AMLC for any transaction that raises indicators of money laundering or terrorist financing, regardless of amount; and
• Preserve customer identification documents and transaction records for a minimum of five (5) years from the date of the transaction.

The AMLC's enforcement posture has intensified significantly since the Philippines' removal from the Financial Action Task Force (FATF) grey list in February 2025. Following the removal from the grey list — which resulted from the FATF's assessment that the Philippines had implemented sufficient anti-money laundering reforms — the AMLC has been empowered to pursue more aggressive enforcement actions, and covered persons should expect greater scrutiny in their compliance programs.

VI. The Anti-Financial Account Scamming Act and BSP Circular No. 1213: Expanded Compliance Obligations

A. RA 12010: The Anti-Financial Account Scamming Act

Republic Act No. 12010 (AFASA), signed into law on July 20, 2024, is the Philippines' most comprehensive legislation to date targeting digital financial fraud. The law was enacted in direct response to the exponential growth in financial scams — phishing, social engineering, account takeovers, and money-mule operations — that plagued the Philippine financial system through 2022 and 2023.

AFASA defines and criminalizes a broad range of financial fraud activities, including:

• Money Muling: Using, borrowing, or allowing the use of a financial account for illicit transactions; opening accounts under fictitious names; using another person's identity; or buying, renting, or selling financial accounts for fraudulent purposes. Penalties: 6 to 8 years imprisonment and fines of PHP 100,000 to PHP 500,000.
• Social Engineering: Employing deception or manipulation to obtain sensitive personal or identifying information leading to unauthorized access or control of a victim's financial account — including phishing emails, vishing (voice phishing), and smishing (SMS phishing). Penalties: 10 to 12 years imprisonment and fines of PHP 500,000 to PHP 1,000,000.
• Economic Sabotage: The most serious category, covering offenses committed by three or more conspirators, targeting multiple victims, using mass electronic communications (e.g., 50 or more emails), or offenses linked to human trafficking. Penalties: Life imprisonment and fines of PHP 1,000,000 to PHP 5,000,000.

Critically for fintech companies, AFASA also imposes affirmative obligations on financial institutions. Institutions that fail to implement the required fraud prevention systems, risk management measures, and customer due diligence standards may be held liable for resulting losses or damages, including the obligation to restitute funds to account owners who suffer losses due to the institution's non-compliance.

B. BSP Circular No. 1213: The IT Risk Management Overhaul

To implement Section 6 of AFASA, the BSP issued Circular No. 1213 in May 2025, which significantly amended the existing IT Risk Management Regulations for all BSP-supervised financial institutions. The circular applies to all entities offering online financial services — expanding well beyond traditional banks to include fintech companies, payment providers, and lending firms.

The compliance deadline for BSP Circular No. 1213 is June 2026. The key requirements that fintech companies must implement before the deadline are:

1. Phishing-Resistant Authentication

The circular mandates a shift away from legacy authentication methods — including one-time passwords (OTPs) delivered via SMS and traditional passwords — toward cryptographically verifiable multi-factor authentication (MFA) mechanisms. Specifically, the BSP advocates for standards-aligned protocols such as FIDO2, WebAuthn, and device-based authentication including passkeys. For foreign fintech companies building or operating digital platforms in the Philippines, this represents a fundamental redesign of the authentication architecture — one that many legacy platforms were not designed to support.

2. Comprehensive Fraud Management Systems (FMS)

Financial institutions — particularly those with high aggregate transaction values averaging PHP 75 million monthly — are required to implement robust, real-time fraud management systems that incorporate multiple fraud detection mechanisms, including:

• Transaction velocity checks (flagging unusual volume or frequency of transactions);
• Monitoring of mobile device and account information changes;
• Geolocation monitoring;
• Blacklist screening against known fraudster databases; and
• Integration with AML systems for coordinated financial crime detection.

3. 24-Hour Transaction Pause Period (TPP)

Following key account changes — updates to registered mobile numbers, email addresses, or registered devices — financial institutions must implement a 24-hour transaction pause period during which customers cannot perform financial transactions, unless strong authentication mechanisms are in place to shorten this period or implement transaction restrictions.

4. Secure Digital Onboarding and Device Integrity

The circular requires enhanced security in digital customer onboarding and session management. It also mandates the prohibition of mobile applications running on unsecured devices — specifically, devices that are rooted or jailbroken.

Foreign fintech companies that have already built their platforms for other markets must audit their current infrastructure against these requirements before the June 2026 deadline. Non-compliance exposes the company to BSP administrative actions, potential liability for fraud losses under AFASA, and reputational damage in a market where consumer trust in digital financial services is still being built.

C. The Earlier Framework: Circulars 1140 and 1160

BSP Circular No. 1140 (March 2022) already required financial institutions to implement automated and real-time fraud monitoring and detection systems — systems capable of continuous oversight, immediate identification of suspicious patterns, and instant blocking of fraudulent transactions. The circular also mandated integration of fraud monitoring systems with AML systems for a cohesive financial crime prevention architecture.

BSP Circular No. 1160 (November 2022) implemented Republic Act No. 11765 (the Financial Products and Services Consumer Protection Act), requiring BSP-supervised institutions to establish a Consumer Protection Risk Management System (CPRMS), set up a 24/7 channel for reporting fraud or misuse, and comply with liability rules for losses arising from unauthorized transactions.

Circular No. 1213 builds upon both of these earlier circulars, extending and deepening the fraud prevention obligations. For foreign fintech companies, Circulars 1140 and 1160 remain the baseline; Circular 1213 is the updated standard that must be met by June 2026.

VII. NPC Registration and Data Privacy Compliance

All fintech companies collecting, processing, or storing personal data of Philippine residents must comply with the Data Privacy Act of 2012 (Republic Act No. 10173) and register their data processing systems with the National Privacy Commission (NPC). This includes the mandatory appointment of a Data Protection Officer (DPO) whose contact details must be registered with the NPC.

For fintech companies, the NPC compliance obligations are particularly significant because they handle highly sensitive personal and financial data — names, addresses, government-issued IDs, bank account information, credit histories, and transaction records. The NPC has been increasingly active in enforcing RA 10173, with enforcement actions against companies that have suffered data breaches or that have failed to register their data processing systems.

Our earlier guide on Data Privacy Act Compliance for Foreign Companies in the Philippines provides a comprehensive analysis of RA 10173's scope and compliance obligations.

VIII. Capitalization Requirements: A Summary Table

The following table summarizes the key capitalization requirements for the principal fintech structures in the Philippines:

IX. The Practical Roadmap for a Foreign Fintech Founder in 2026

For a foreign investor seeking to establish a fintech presence in the Philippines in 2026, the practical steps are as follows:

Step 1: Define the Core Activity

The regulatory pathway is determined entirely by the specific financial activity the company intends to conduct. Before any corporate formation or license application, the investor must precisely define: Is the company issuing e-money? Operating a payment gateway? Extending credit? Exchanging virtual assets? Each activity carries a different regulatory regime, different capitalization requirements, and different application timelines.

Step 2: Incorporate a Philippine Entity with the SEC

Once the core activity is defined, the company must incorporate a Philippine entity — typically a domestic corporation — with the SEC. The Articles of Incorporation must accurately reflect the company's intended activities. The board composition must comply with residency requirements (majority of directors must be Philippines residents).

Step 3: Determine the Applicable License(s)

Based on the defined activity, the company must identify the applicable license(s) from the BSP, SEC, or both. Where the intended activity is novel or does not fit neatly within an existing license category, the BSP Regulatory Sandbox (BSP Circular No. 1153) should be considered as a pathway to formal licensing.

Step 4: Comply with Pre-License Conditions

Prior to submitting a license application, the company must ensure that it has satisfied pre-license conditions, including capital adequacy, board and management fit-and-proper requirements, and the establishment of basic compliance infrastructure (AML policies, data privacy systems, IT security architecture).

Step 5: Submit License Application

BSP and SEC license applications are submitted with extensive supporting documentation. Processing timelines vary: BSP EMI applications may take several months; sandbox applications are assessed on a rolling basis. The company should budget for the delay between application submission and license grant in its business plan and cash flow projections.

Step 6: Register with AMLC, NPC, and BIR

Upon incorporation, the company must simultaneously register with the AMLC as a covered person, register its data processing systems with the NPC, and obtain a BIR Tax Identification Number (TIN) and the necessary invoicing authorizations. These registrations are not contingent on obtaining a BSP or SEC license and should be completed as early as possible.

Step 7: Prepare for AFASA and Circular 1213 Compliance

With the June 2026 compliance deadline for BSP Circular No. 1213 approaching, fintech companies that have already obtained licenses or that are in the process of applying must prioritize their Circular 1213 compliance roadmap. This means investing in phishing-resistant authentication infrastructure (FIDO2/WebAuthn), implementing real-time fraud management systems, establishing the 24-hour transaction pause mechanism for key account changes, and prohibiting the use of rooted or jailbroken devices for financial transactions. Failure to comply by the deadline exposes the company to BSP administrative sanctions, potential liability for fraud losses under AFASA, and enforcement action by the AMLC.

X. Key Risks and Strategic Considerations for Foreign Investors

A. Moratorium Risk

The most significant strategic risk for foreign investors in 2026 is the active moratoriums on VASP and OLP licenses. Investors seeking to enter the crypto exchange or online lending space must understand that there is no regulatory pathway for fresh market entry — only acquisition of existing licensed entities or partnerships with licensees. This significantly elevates the cost and complexity of market entry for these segments.

B. Compliance Cost

The total compliance cost for a foreign fintech company entering the Philippines — incorporating, licensing, AMLC registration, NPC registration, BIR registration, and Circular 1213 infrastructure — is substantial and must be factored into the financial model. The minimum capitalization requirements alone (PHP 100,000,000 to PHP 200,000,000 for EMIs) represent a major capital commitment before a single peso of revenue is generated.

C. Structuring for Land Ownership Risk

For fintech companies that may, in the ordinary course of business, take collateral over real property — particularly in consumer lending or microfinance — the constitutional land ownership restriction remains a live legal issue. If the company's lending operations result in foreclosure on real property, foreign ownership is capped at 40% for that property. Structuring decisions around collateral and security interests must account for this limitation.

D. Regulatory Sandbox as Strategic Asset

For foreign fintech companies with genuinely innovative products — particularly those using AI, decentralized finance protocols, or novel credit scoring methodologies — the BSP Regulatory Sandbox remains an underutilized strategic asset. An approved sandbox placement provides not only a structured testing environment but also a formal relationship with the BSP that can facilitate the eventual license application. Foreign investors should consider the sandbox as a first-mover advantage in market segments where the regulatory framework is still evolving.

E. FATF Delisting and Its Implications

The Philippines' removal from the FATF grey list in February 2025 was a significant milestone that reflects the government's commitment to strengthening its AML/CFT framework. For foreign investors, this delisting signals that the Philippines is a jurisdiction where financial crime compliance will be taken seriously — and where fintech companies that invest early in robust compliance infrastructure will be well-positioned relative to competitors that treat AML obligations as an afterthought.

Conclusion

The Philippines in 2026 presents a paradox for the foreign fintech investor: the market opportunity is enormous — a population of over 115 million, a rapidly expanding middle class, smartphone penetration rates that continue to climb, and a government that has made digital financial inclusion a stated policy priority — but the regulatory path to capturing that opportunity is more complex and more capital-intensive than in most other Southeast Asian markets.

The companies that will succeed in the Philippine fintech market are those that treat regulatory compliance not as a cost center but as a competitive advantage — those that build the infrastructure required by BSP Circular No. 1213, RA 12010, and the AMLA from day one, rather than retrofitting it after the fact; those that engage early and substantively with BSP regulators through the sandbox framework; and those that understand that the combination of foreign equity liberalization (under RA 10881 and the CREATE MORE Act), the lifting of the EMI moratorium, and the opening of the sandbox framework creates genuine windows of opportunity even as other windows (VASP, digital bank, OLP) remain closed.

TTFC Law has assisted numerous foreign fintech companies in navigating the Philippine regulatory landscape — from initial market entry structuring through SEC incorporation, BSP license applications, AMLC registration, and ongoing compliance advisory. We are available to advise foreign investors and founders on the specific regulatory pathway for their intended Philippine fintech activities.

This article provides general legal information and does not constitute legal advice. For specific legal guidance on establishing or operating a fintech company in the Philippines, please contact TTFC Law to arrange a consultation with our corporate and regulatory practice groups.