José Paulo Miler

Portuguese-qualified attorney advising startups, founders, and established companies on fintech, blockchain, digital assets, payments, licensing, compliance, and cross-border legal and regulatory strategy across Europe and other international markets.

FinTech & Crypto

Professional Profile

José Paulo Miler is a Partner at Cogent Law and a Portuguese-qualified attorney whose practice focuses on fintech, blockchain, digital assets, payments, and cross-border legal and regulatory strategy, with a particular emphasis on Europe.

He advises startups, founders, and established companies on licensing, compliance, token-based products, corporate structuring, commercial transactions, and strategic market expansion across the European Union, the United Kingdom, the United States, and other international markets.

José has held senior and executive legal and strategic roles across the fintech and Web3 sectors, including as General Counsel, Head of Legal, Deputy to the CEO, and Data Protection Officer. His experience spans international crypto and payments regulation, MiCA and broader European digital asset frameworks, EMI and licensing strategy, token and stablecoin structures, governance, privacy, commercial contracting, and cross-border M&A.

Signature Focus

European Regulatory Depth

José advises on MiCA, digital asset regulation, payments frameworks, licensing, compliance, and related European regulatory strategy with a strong practical focus on execution.

Executive-Level Perspective

Having served as General Counsel, Head of Legal, Deputy to the CEO, and Data Protection Officer, he brings legal advice shaped by real executive decision-making and commercial realities.

Cross-Border Business Strategy

José helps companies structure products, transactions, and expansion plans across the European Union, the United Kingdom, the United States, and other key international markets.

Web3 & Blockchain

Legal and strategic considerations for blockchain businesses, tokenized products, decentralized models, and digital asset ecosystems.

Crypto, DeFi & Payments

Regulatory, commercial, and operational challenges involving crypto, DeFi, payments infrastructure, and cross-border product execution.

AI & Emerging Technologies

How fast-moving technology businesses can align innovation, compliance, privacy, governance, and market expansion strategy.

Areas of Focus

Fintech and payments regulatory strategy
Blockchain, Web3, crypto, and digital asset legal guidance
MiCA and broader European digital asset frameworks
EMI and licensing strategy across relevant markets
Token and stablecoin structures
Corporate structuring and cross-border expansion planning
Commercial contracting, governance, and privacy matters
Cross-border M&A, transactional support, and strategic business guidance

Credentials & Recognition

Fintech, blockchain, digital assets, payments, token-based products, licensing, compliance, corporate structuring, commercial transactions, privacy, and cross-border legal strategy.

Bachelor’s Degree in Law, University of Coimbra, Portugal

Master’s Degree in Corporate Law, Catholic University of Portugal

Post-Graduation in Finance and Taxation, Porto Business School

Former legal leadership and executive roles at ZOOP, Baanx Group, and Unlimit, including General Counsel, Head of Legal, Deputy to the CEO, and Data Protection Officer.

Advising on regulatory and strategic matters involving the European Union, the United Kingdom, the United States, and other international markets.

Selected authority points

Strategic counsel for fintech, blockchain, digital assets, payments, licensing, compliance, token structures, cross-border transactions, and international expansion, with a strong focus on Europe and other key global markets.

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