State money transmitter licence

制度要点

Erlaubte Tätigkeiten

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

Typische Inhaber

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

Antragsweg

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

Wesentliche Grenzen

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

监管机构

Offizielle Quelle

名录为节选，只列公开披露持有该牌照的机构，不含牌照编号与经营数据。

• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSLZugelassen inUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEABerichte suchen
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIZugelassen inUnited StatesEuropean Union / EEAFRSingaporeBerichte suchen
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIZugelassen inUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustraliaBerichte suchen
• FiservMerchant acquiring and issuer processing at scale.MTLEMIZugelassen inUnited StatesUnited KingdomEuropean Union / EEABerichte suchen
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIZugelassen inUnited StatesUnited KingdomAustraliaSingaporeBerichte suchen
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLZugelassen inCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustraliaBerichte suchen
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLZugelassen inUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndiaBerichte suchen
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLZugelassen inUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingaporeBerichte suchen
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLZugelassen inUnited StatesCanadaUnited KingdomAustraliaBerichte suchen
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIZugelassen inUnited StatesEuropean Union / EEAUnited KingdomSingaporeBerichte suchen
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLZugelassen inUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapanBerichte suchen
• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIPZugelassen inEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab EmiratesBerichte suchen
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFZugelassen inUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapanBerichte suchen
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLZugelassen inUnited KingdomAustraliaUnited StatesEuropean Union / EEABerichte suchen
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBZugelassen inUnited KingdomUnited StatesCanadaEuropean Union / EEABerichte suchen
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIZugelassen inUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexicoBerichte suchen
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLZugelassen inEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndiaBerichte suchen
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLZugelassen inUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysiaBerichte suchen
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLZugelassen inSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysiaBerichte suchen
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLZugelassen inSingaporeUnited KingdomUnited StatesBerichte suchen
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIZugelassen inUnited KingdomIsraelUnited StatesSingaporeMexicoBrazilBerichte suchen

United States的其他制度

• MSBMoney Services Business registration
• National charterNational bank or trust charter
• State charterState bank or trust charter
• Remittance ruleRemittance Transfer Rule