Document Framework for Regulated FinTech Platform

A client was preparing to launch a regulated FinTech platform in the UAE that would allow individual users to enter into voluntary insurance agreements with third-party, non-state pension and insurance funds. The platform would act as a digital intermediary, handling contract execution, data flow, and communication between users and partner funds. The client needed a cornerstone B2B agreement template governing collaboration with multiple counterparties — one that would satisfy financial regulator requirements, align with the platform's approved internal rules, and remain commercially workable across partners. The stakes were high: a weak template would slow partner onboarding and expose the platform to regulatory and reputational risk.

We built the contractual framework end-to-end, combining regulatory analysis with technical drafting:

1. Business model review — analyzed the platform's end-to-end data and document flow, contract execution methods, and internal governance rules to map every touchpoint with counterparties.
2. B2B agreement drafting — prepared a legally and technically grounded template covering data exchange, IT integration, liability allocation, service levels, and regulatory obligations, including data protection, information security, and AML/CFT.
3. Counterparty-ready provisions — incorporated practical terms anticipated by prospective partners to preempt negotiation bottlenecks and keep the template commercially viable across the partner base.
4. Compliance cross-check — cross-referenced the agreement with the client's internal compliance policies and platform operator rules approved by the regulator, minimizing future amendment risks.