Adam S. Tracy is a financial infrastructure advisor who works with fintech companies, digital asset platforms, gaming operators and financial institutions on the design, licensing and deployment of regulated financial businesses. A former professional rugby player, he brings more than twenty years’ experience as an attorney, consultant and dealmaker, with a career built on the practical mechanics of moving money under regulation.
His practice sits at the intersection of regulation, capital markets and technology. In practice that means taking a business model — a crypto exchange, a neobank, an offshore sportsbook, a payments processor, a token issuer — and building the legal, regulatory and operational rails it needs: entity structure, licensing, banking connectivity, payment flows and compliance. The work is judged on whether a platform can actually operate, not on the elegance of the diagram.
Engagements span 50+ jurisdictions, from MiCA regimes in the EU and VASP frameworks in the Caribbean, to U.S. state money transmission, EMI and payment-institution authorizations in Europe, and offshore banking and gaming regimes across multiple regions. Adam is a frequent commentator on digital-asset regulation, appearing across financial and mainstream media, and publishes regularly on the practical realities of launching regulated financial businesses.