Fintech & Digital Finance

We provide end-to-end legal advisory to fintechs, digital lenders, IMTs, mobile money platforms, and payment service providers entering or scaling in Kenya’s financial services sector.

Our expertise covers product structuring, licensing, regulatory engagement, platform compliance, and investor readiness strategies. We work closely with founders, legal teams, and investors to help fintech businesses design compliant products, secure Central Bank of Kenya (CBK) licensing, and prepare for growth and funding stages.

Whether you are launching a new credit model, partnering with telcos or banks, expanding cross-border, or entering regulatory sandboxes, Cavendrys delivers strategic legal support that balances innovation with compliance and risk management.

Our services include:

Licensing and Regulatory Engagement: Digital Credit Provider (DCP) licensing, IMT licensing, payment service provider registration, CBK compliance filings, and regulator liaison support.

Fintech Product Structuring and Compliance: Structuring digital financial products, customer onboarding flows, open banking solutions, embedded finance models, and BNPL offerings.

Commercial and Investment Agreements: Drafting and negotiating platform agreements, API integration contracts, merchant agreements, and B2B/B2C fintech contracts.

Investor Readiness and Funding Support: Legal due diligence preparation, compliance audits, cap table structuring, and supporting funding rounds (equity, debt, hybrid).

Mobile Money and Digital Payment Infrastructure: Telco partnerships, mobile wallet licensing, mobile money integration contracting, and platform launch support.

AML/KYC, Risk, and Compliance Frameworks: Development and review of Anti-Money Laundering (AML), Know Your Customer (KYC), fraud prevention policies, and operational compliance protocols.

Cross-Border Expansion and Regulatory Strategy: Advisory on entering regional African markets, regulatory harmonization strategy, and multi-jurisdictional licensing support.