Inga Karulaitytė-Kvainauskienė

Inga Karulaitytė-Kvainauskienė is a top-tier leading expert in FinTech and digital finance regulation in Lithuania and the Baltics with more than 20 years of experience. She leads the Banking & Finance and FinTech practice at ECOVIS ProventusLaw.

Inga guides electronic money institutions, payment service providers, investment firms, and crypto-asset service providers through complex EU regulatory landscapes, including MiCA, PSD2, AML/CTF, sanctions, and operational resilience frameworks. Inga has been instrumental in designing cross-border regulatory strategies, obtaining licences, and implementing governance and compliance frameworks for financial institutions and digital asset companies operating across multiple jurisdictions. She has guided numerous companies in implementing governance structures, AML processes, and technology-driven compliance tools, including RegTech and AI applications.

Inga is also a recognised thought leader and community builder. She co-founded Lithuanian Fintech Association, supporting Lithuania’s FinTech ecosystem, and is a certified anti-money laundering (ACAMS) and International Sanctions expert. Inga also holds a professional corporate governance certification, further highlighting her expertise in creating strong, accountable, and sustainable business frameworks.

She also is:

• • • • Ranked lawyer in Fintech Legal by Chambers and Partners Fintech 2020, 2021, 2022, 2023, 2024, 2025, 2026.
      • Highly Regarded lawyer in the Banking and Finance directory by IFLR1000, Chambers and Partners, and the LEGAL500 2019, 2020, 2021, 2022, 2023, 2024, 2025 and 2026.
      • Certified Anti-Money Laundering Specialist (ACAMS).
      • Certified Risk Management specialist in Global Sanctions.
      • Certified Board member - Corporate Governance Certificate by BICG.
      • Certificate of Completion of Internal Auditor‘s Training since 2020.
      • Member of the Lithuanian Bar since 2003.

    “Inga Karulaitytė-Kvainauskienė is an experienced professional in the FinTech field.” Chambers Fintech Legal, 2024

    “Inga Karulaitytė-Kvainauskienė is a high-level specialist in her field, advising on all AML/CTF and sanctions issues.” Chambers Fintech Legal, 2024

    “ECOVIS ProventusLaw is especially well-suited to assist on regulatory compliance and licensing requirements for alternative finance providers, including fintechs and crowdfunding platforms, in addition to providing auditing, compliance, and anti-money laundering services. Practice head Inga Karulaitytė-Kvainauskienė has experience handling regulatory issues, together with assisting clients in obtaining banking licenses and complying with sanctions and AML legislation. The team is particularly prominent in internal auditing and risk management.” Legal500, 2024

    “I’ve found Inga to be helpful, knowledgeable and resourceful.” Chambers Fintech Legal, 2023

    “Inga Karulaityte and Linas Vidžys provided a professional service to us. They are extremely knowledgeable and resourceful when guiding us. Their knowledge and understanding of the requirements are superior and they care about the outcome of their work for us as a client. We had an easy access to them at all times and they delivered fast and efficient service to us.” Legal500, 2023

    “One of the first lawyers starting to grow the fintech ecosystem in the country.” Legal500, 2023

2016 to 2017
Public Procurement Regulation in the EU (Postgraduate studies in Higher Education, Law)
King’s College London (UK), Centre of European law

2000 to 2005
Bachelor of Business Administration and Management
Vilnius University, Faculty of Economics

1995 to 2000
Master of Laws (LL.M.)
Vilnius University, Faculty of Law

Civilinė teisė. Bendroji dalis. (Civil Law. General Part) Volume II, co-author, 2005, Vilnius

V. Papirtis, I.Karulaitytė-Kvainauskienė. Kai kurie civilinių teisių gynimo ypatumai taikant prevencinį ieškinį (Certain Aspects of Legal Remedies Related to Preventive Actions). Jurisprundencija, Volume 69 (61), 2005, Vilnius

Civilinė teisė. Bendroji dalis. (Civil Law. General Part) Volume II, co-author, MRU, 2007, Vilnius

New interesting case-laws on commercial agency.  International Distribution Institute, 2008

Study “Lietuvos Respublikos civilinis kodeksas: pirmieji dešimt galiojimo metų” (Civil Code of the Republic of Lithuania: First Ten Years in Effect), co-author, MRU, 2013, Vilnius

Court of Appeal of Lithuania passed an important ruling in a case related to commercial agency. International Distribution Institute, 2015

An interesting case law about the right of compensation after termination of a service contract. International Distribution Institute, 2016

Pakaitalą bankomatams sugalvojęs startuolis kuriasi Lietuvoje, vz.lt, 29/04/2019

„FinTech“ įmonių skaičius Lietuvoje pernai šoktelėjo 45%, vz.lt, 01/02/2019

„Brexit“ paskatino Didžiosios Britanijos elektroninių pinigų įstaigą ateiti į Lietuvą, lrt.lt, 30/07/2018

Lietuvos bankas licencijavo dar 4 fintech žaidėjus, vz.lt, 30/03/2018

Lithuania is seeking to attract FinTech companies from China, ecovis.lt, 30/10/2017

Singapore-Based Global Payments Processor “Instarem” Secures Lithuanian E-Money License For European Expansion, fintechnews.sg, 29/09/2017

Singapore’s Senjo acquires Lithuanian startup to gain access to EU markets, finextra.com, 05/05/2017

7 finansinių technologijų tendencijos šiais metais, lrt.lt, 14/02/2017

I. Karulaitytė-Kvainauskienė. Kaip neužkibti ant klaidinančios reklamos kabliuko? (How Not to Fall for Misleading Advetisement?), DELFI, 2016

I. Karulaitytė-Kvainauskienė, G. Domkutė. Kaip apsisaugoti nuo įmonės viduje išauginto nesąžiningo konkurento (How to Protect Yourself from an Unfair Competitor Raised in Your Company), DELFI, 2016

I.Karulaitytė. Naujas nekonkuravimo susitarimų kompensavimas: ką žinoti prieš rengiant darbo sutartį? (New Procedure for Compensation under Non-Competition Agreements: What You Should Know Before Drafting an Employment Agreement), DELFI, 2016

Darbuotojas – pas konkurentą (An Employee Has Deserted to a Competitor), Verslo žinios, 2016