Sofia Khatsernova is a legal expert specializing in the cross- border Fintech and digital finance sectors. Currently, she is the Legal Function Owner at xpate, Sofia navigates the complexities of financial innovation to support seamless cross-border payments and acquiring services. With experience in both private practice and as in-house counsel, Sofia brings a well-rounded perspective to bridging the gap between disruptive technology and strict regulatory requirements. By combining legal knowledge with modern Legal Tech, Sofia makes legal operations faster, smarter, and easier to manage. She is dedicated to helping businesses—from startups to scale-ups—grow safely and efficiently in the global digital economy.