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Fintech Regulations and Laws in the Netherlands

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Attracting International Talent

The Netherlands offers a favorable environment for fintech companies to attract international talent. Here are some key benefits:

Subsidies for Fintech Companies

• The government provides various subsidies, including ‘MKB!dee’ specifically for fintech companies.

EU and Non-EU Employee Benefits

• Employees from the European Union do not need a residence permit or working permit.
• Fintech employees from outside the EU can apply for schemes such as:
  • Dutch highly skilled migrant program
  • EU Blue Card

Protecting Intellectual Property

Innovative ideas in fintech are protected by intellectual property rights. Here’s how:

Types of IP Rights

• Patents: protect technical products or processes
• Design rights: protect names or logos of fintech innovations
• Trade secrets: protect confidential business information
• Copyright: protects software source code and graphic interfaces of apps

Obtaining a Patent in the Netherlands

A patent can be requested from Octrooicentrum Nederland to protect technical products or processes.

Cryptocurrencies in the Netherlands

The use of cryptocurrencies is subject to specific regulations. Here’s what you need to know:

Types of Cryptocurrencies

• Native coins (like bitcoin and Ether) are not considered acknowledged funds within the meaning of PSD2.
• Stable coins, tokens, and other types of cryptocurrencies exist.

Regulatory Requirements

Parties offering brokerage services or exchange services in respect of native coins may be subject to Anti-Money Laundering Directive (AMLD) regulations.