United States

Sites das autoridades

• 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.

  Atividades permitidas

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

  Detentores típicos

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

  Caminho do pedido

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

  Limites principais

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

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

  Atividades permitidas

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

  Detentores típicos

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

  Caminho do pedido

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

  Limites principais

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

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

Uma amostra escolhida a dedo para orientação — não é o registro completo.

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIPAutorizada emEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSBAutorizada emAustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFAutorizada emUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAFRSingapore
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• FiservMerchant acquiring and issuer processing at scale.MTLEMIAutorizada emUnited StatesUnited KingdomEuropean Union / EEA
• FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSBAutorizada emNigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLAutorizada emUnited KingdomAustraliaUnited StatesEuropean Union / EEA
• KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMIAutorizada emEuropean Union / EEAUnited KingdomUnited StatesAustralia
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIAutorizada emUnited StatesUnited KingdomAustraliaSingapore
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLAutorizada emSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLAutorizada emCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLAutorizada emUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBAutorizada emUnited KingdomUnited StatesCanadaEuropean Union / EEA
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIAutorizada emUnited KingdomIsraelUnited StatesSingaporeMexicoBrazil
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustralia
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLAutorizada emEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLAutorizada emSingaporeUnited KingdomUnited States
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia

Região

• Canada
• Mexico