United States

Sites des autorités

• FinCENFinancial Crimes Enforcement Network (US)
• State regulators (NMLS)US state banking departments, via NMLS
• OCCOffice of the Comptroller of the Currency (US)
• Federal ReserveBoard of Governors of the Federal Reserve System (US)
• CFPBConsumer Financial Protection Bureau (US)

• Money Services Business registrationMSBFederal registration with FinCEN for money transmission, currency exchange, money orders and prepaid access.

  Activités autorisées

  Money transmission, currency dealing/exchange, money orders, traveller’s cheques and prepaid access, as defined in the BSA.

  Détenteurs typiques

  Money transmitters, foreign-exchange desks, prepaid-access providers that operate in the United States.

  Parcours de demande

  Register with FinCEN (and keep the registration current). This is a federal registration, not a substitute for state MTL.

  Limites clés

  Does not authorise taking deposits. State money-transmitter licences are still required in each state of operation.

  Money transfer & remittanceSource officielle
• State money transmitter licenceMTLLicensed in each state where you transmit money — usually with surety bonds and minimum net-worth tests.

  Activités autorisées

  Transmitting money for customers in that state (definitions vary by statute).

  Détenteurs typiques

  Remittance firms, payout platforms and wallet operators serving US residents.

  Parcours de demande

  File through NMLS with each state banking department. Bonds, net worth and resident-agent rules are set state by state.

  Limites clés

  A licence in one state does not passport into another. Unlicensed transmission is typically a criminal offence.

  Money transfer & remittanceSource officielle
• National bank or trust charterNational charterA federal charter that lets a fintech hold deposits and settle payments without a state-by-state patchwork.Banking & deposit-takingSource officielle
• State bank or trust charterState charterDeposit-taking under a state charter, supervised by the state and a federal regulator.Banking & deposit-takingSource officielle
• Remittance Transfer RuleRemittance ruleDisclosure, cancellation and error-resolution duties for cross-border remittances — a compliance regime, not a licence.Payment institution / PSPSource officielle

Un échantillon choisi à la main pour s'orienter — pas le registre complet.

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIPAgréé enEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSBAgréé enAustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSLAgréé enUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFAgréé enUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIAgréé enUnited StatesEuropean Union / EEAFRSingapore
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIAgréé enUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• FiservMerchant acquiring and issuer processing at scale.MTLEMIAgréé enUnited StatesUnited KingdomEuropean Union / EEA
• FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSBAgréé enNigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLAgréé enUnited KingdomAustraliaUnited StatesEuropean Union / EEA
• KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMIAgréé enEuropean Union / EEAUnited KingdomUnited StatesAustralia
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIAgréé enUnited StatesUnited KingdomAustraliaSingapore
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLAgréé enSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLAgréé enCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLAgréé enUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLAgréé enUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBAgréé enUnited KingdomUnited StatesCanadaEuropean Union / EEA
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIAgréé enUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIAgréé enUnited KingdomIsraelUnited StatesSingaporeMexicoBrazil
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLAgréé enUnited StatesCanadaUnited KingdomAustralia
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLAgréé enEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIAgréé enUnited StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLAgréé enUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLAgréé enSingaporeUnited KingdomUnited States
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLAgréé enUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia

Région

• Canada
• Mexico