Ms. Wenxin Ruan's principal practice areas include fintech, blockchain and cryptocurrencies, as well as financial regulatory compliance.
In the area of fintech, Ms. Ruan advises fintech companies, financial institutions, and the fintech divisions of several well-known internet companies on legal and regulatory matters relating to consumer finance, supply chain finance, payment and settlement services, credit investigation, artificial intelligence, data protection, and other business areas. Her work includes research and analysis of major and complex legal issues, the design and drafting of business policies and procedures, compliance analysis of innovative business, legal due diligence on investee businesses, legal and compliance training and dissemination, and daily operational compliance consulting.
In the area of blockchain and Web3, Ms. Ruan advises licensed virtual asset trading platforms in overseas jurisdictions, stablecoin issuers, and blockchain companies both domestically and internationally. Her experience covers virtual asset trading, digital currencies and payment solutions, the issuance and trading of digital assets, and the tokenization of real-world assets, including projects involving stablecoins, non-fungible tokens (NFTs), and real-world assets (RWAs). Her work includes analysis of domestic and international regulatory policies, compliance assessments for cross-border business activities, the drafting of transaction documents and internal policies, and legal and compliance analysis of business models.
In the area of financial regulatory compliance, Ms. Ruan advises commercial banks, consumer finance companies, third-party payment institutions, fund distributors, and other financial institutions on regulatory and compliance matters. Her work includes financial business compliance consulting, the drafting of internal policies and enhancement of internal control mechanisms, the drafting and revision of standard-form legal documents, internal compliance reviews, and preparation for and responding to regulatory inspections.
