Ernesto Luciano. Experienced and business-minded practical attorney with legal expertise in FinTech, Payments, Wallets, Cryptocurrencies, Blockchain, Regulatory Compliance (licensing, exams, audits, eDiscovery/subpoenas), Corporate Governance, SEC (33 & 34 Acts, SOX, Regulation FD, among other SEC laws/regs.) M&A (domestic and international), Divestitures, Public & Private companies, Initial Public (IPOs) and Secondary Offerings, Start-Ups, Web 3 websites, Credit/Financing/Loan Agreements, Commercial Agreements/Contracts (SaaS, IT / Technology Services Agreements), Product Counseling (desktop user experiences and mobile apps) Intellectual Property (Copyright, Trademark & Patents), Data Privacy & Use, Cybersecurity, and Manage Litigation (domestic and international).