Stephen A. Aschettino

Representative Matters

Structured a global customer brand agreement with a prominent U.S. payment card network.
Drafted agreements and provided regulatory counsel to a top mobile wallet provider.
Supported cryptocurrency exchange in securing state money transmitter licenses.
Conducted 50-state regulatory reviews for emerging money transmitters.
Provided regulatory guidance to a foreign currency exchange provider operating in the U.S.
Counseled cannabis marketplace on deployment of PayTech solutions.
Served as counsel to a public payments industry company in TCPA litigation.
Acted as U.S. counsel and global co-relationship partner to a leading FinTech "super app" company offering diverse traditional and alternative payment, lending and investing products worldwide.
Served as outside product counsel to multiple global FinTechs and PayTechs requiring regulatory and commercial guidance for U.S. financial product development and deployment.
Provided corporate and regulatory counsel to a U.S. payments company in its acquisition of a global money transmitter.
Served as corporate and regulatory counsel to a Canadian payments company in its acquisition of a U.S. payment processor.
Represented national ATM company in litigation matters.

Counseled a major global financial institution on development and commercialization of tokenized payment services, including an innovative trade finance solution.
Advised a bank on launching its initial credit card products.
Evaluated a top 10 U.S. financial institution's payment solutions for PCI-DSS compliance.
Drafted all consumer-facing electronic banking and disclosure documents for a multinational bank.
Structured a new core platform agreement for a regional bank.
Offered U.S. regulatory advice to a multinational bank headquartered in Eastern Asia.
Structured a cryptocurrency cold storage agreement for a bank maintaining one of the largest known cryptocurrency portfolios.
Counseled company offering white-labeled cryptocurrency solutions for banks.
Served as commercial counsel to a global financial institution introducing its first digital custody product for traditional and digital bonds.
Provided artificial intelligence (AI) counsel to several global financial institutions.

Served as counsel to a digital advertising company in transition of its payments services provider.
Counseled a global online travel services provider on reducing its U.S. payments regulatory exposure.
Advised a technology service provider for rental apartments on proposed credit card payment surcharges.
Counseled a technology platform for landlords on relevant anti-money laundering regulations and card-network rules.
Provided guidance to a wireless telephone carrier regarding payment facilitator issues.
Counseled multiple EU and Israeli-based startups on U.S. regulatory compliance.
Served as outside general counsel to multiple startups.

Served as counsel to artificial-intelligence-based technology company in multiple matters concerning royalty payments owed to artists, labels and streaming services.
Counseled global, short-form mobile video social networking service on payments regulatory matters affecting U.S. product launch.
Provided guidance to a leading social media platform on cryptocurrency and NFT regulatory and advertising matters.
Advised a major media content provider on deployment of a blockchain-based data repository.
Counseled a broadcast television network on creation of tokenized distribution platform.
Provided guidance to a major talent agency on cryptocurrency matters.

Structured core payments technology agreements with multiple payments services providers for a national pharmacy chain.
Counseled a U.S. airline on its payment processing agreements and mobile payments integration.
Supported a national, membership-based discount retailer on deployment of digital membership card with integrated payments capabilities.
Counseled a national pharmacy chain on payments regulatory and AML compliance matters.
Advised multiple Fortune 100 companies on potential money transmitter issues related to gift card promotions.
Served as counsel to a large retailer conglomerate on proposed rollout of payroll cards to employees.
Conducted multistate regulatory reviews for multiple retailers implementing payments solutions.

Structured the U.S. portion of multinational cosmetics company's payments technology platform agreements.
Counseled a U.S. automobile manufacturer on card network compliance matters.
Served as counsel to a bicycle manufacturer on agreements with a financial institution for customer financing.
Represented a cosmetics company in dispute with a payment card network.
Structured a payment facilitator agreement for a U.S. automobile manufacturer.
Conducted multistate regulatory reviews for multiple manufacturers implementing payment solutions.
Developed a PCI-DSS compliant Payment Card Acceptance Policy for an affiliate of a major U.S. energy company.
Served as counsel to a U.S. automobile manufacturer on its payments and mobility platform products.

Counseled a prominent U.S. sports league on blockchain-based gaming solutions.
Advised an esports company on payments integration matters.
Supported a Major League Baseball team on PCI-DSS requirements for POS terminals in a new stadium.