What we do


We keep abreast of the rapid financial innovations with a great deal of interest. We know exactly what’s happening, but also regularly advise and publish about those innovations. That makes us a strategic partner that can help you make choices and weigh the risks and opportunities, which allows you to operate safely and effectively at the frontline of the financial sector.

  • Supervising crowdfunding
  • Implementing and applying blockchain technology
  • Supervising innovative payment services (PSD2)
  • Advising on market access, product development and services

With SprayPay consumers can pay their purchases at webshops between 250 and 2500 euro. The payment method is intended for the purchase of durable consumer goods, such as bicycles, furniture, telephones, white and brown goods.

At SprayPay, the consumer can choose whether the purchase is paid in 12, 18, 24 or 36 months. SprayPay is a start-up of Max, Willem and Ernst Libourel. The family business from Breukelen, part of WebFin Loans, received a permit from the AFM for the provision of this financial service in 2017. FIZ lawyers assisted Spraypay with the introduction of the Spraypay platform, with the license application and with the drafting of the underlying ( product) documentation.