United States

規制当局のサイト

• 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.

  認められる業務

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

  典型的な保有主体

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

  申請の流れ

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

  主な制限

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

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

  認められる業務

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

  典型的な保有主体

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

  申請の流れ

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

  主な制限

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

  Money transfer & remittance公式情報
• 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-taking公式情報
• State bank or trust charterState charterDeposit-taking under a state charter, supervised by the state and a federal regulator.Banking & deposit-taking公式情報
• Remittance Transfer RuleRemittance ruleDisclosure, cancellation and error-resolution duties for cross-border remittances — a compliance regime, not a licence.Payment institution / PSP公式情報

制度を掴むための抜粋です。完全な登録簿ではありません。

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP認可地域European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB認可地域AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSL認可地域United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF認可地域United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI認可地域United StatesEuropean Union / EEAFRSingapore
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI認可地域United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• FiservMerchant acquiring and issuer processing at scale.MTLEMI認可地域United StatesUnited KingdomEuropean Union / EEA
• FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSB認可地域NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL認可地域United KingdomAustraliaUnited StatesEuropean Union / EEA
• KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMI認可地域European Union / EEAUnited KingdomUnited StatesAustralia
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI認可地域United StatesUnited KingdomAustraliaSingapore
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL認可地域SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL認可地域CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL認可地域United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL認可地域United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB認可地域United KingdomUnited StatesCanadaEuropean Union / EEA
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI認可地域United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI認可地域United KingdomIsraelUnited StatesSingaporeMexicoBrazil
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL認可地域United StatesCanadaUnited KingdomAustralia
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL認可地域European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI認可地域United StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL認可地域United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL認可地域SingaporeUnited KingdomUnited States
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL認可地域United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia

地域

• Canada
• Mexico