United States

감독기관 웹사이트

• 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.

  허용되는 업무

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

  대표 보유 주체

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

  신청 절차

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

  주요 제한

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

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

  허용되는 업무

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

  대표 보유 주체

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

  신청 절차

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

  주요 제한

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

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

제도를 파악하기 위한 발췌입니다. 전체 등록부가 아닙니다.

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP인가 지역European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB인가 지역AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSL인가 지역United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF인가 지역United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI인가 지역United StatesEuropean Union / EEAFRSingapore
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI인가 지역United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• FiservMerchant acquiring and issuer processing at scale.MTLEMI인가 지역United StatesUnited KingdomEuropean Union / EEA
• FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSB인가 지역NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL인가 지역United KingdomAustraliaUnited StatesEuropean Union / EEA
• KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMI인가 지역European Union / EEAUnited KingdomUnited StatesAustralia
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI인가 지역United StatesUnited KingdomAustraliaSingapore
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL인가 지역SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL인가 지역CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL인가 지역United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL인가 지역United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB인가 지역United KingdomUnited StatesCanadaEuropean Union / EEA
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI인가 지역United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI인가 지역United KingdomIsraelUnited StatesSingaporeMexicoBrazil
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL인가 지역United StatesCanadaUnited KingdomAustralia
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL인가 지역European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI인가 지역United StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL인가 지역United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL인가 지역SingaporeUnited KingdomUnited States
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL인가 지역United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia

지역

• Canada
• Mexico