State money transmitter licence

制度要点

Permitted activities

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

Typical holders

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

Application path

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

Key limits

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

监管机构

Official source

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.MTLMSBEMIAFSLLicensed inUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEASearch coverage
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPILicensed inUnited StatesEuropean Union / EEAFRSingaporeSearch coverage
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPILicensed inUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustraliaSearch coverage
• FiservMerchant acquiring and issuer processing at scale.MTLEMILicensed inUnited StatesUnited KingdomEuropean Union / EEASearch coverage
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMILicensed inUnited StatesUnited KingdomAustraliaSingaporeSearch coverage
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLLicensed inCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustraliaSearch coverage
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLLicensed inUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndiaSearch coverage
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLLicensed inUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingaporeSearch coverage
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLLicensed inUnited StatesCanadaUnited KingdomAustraliaSearch coverage
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPILicensed inUnited StatesEuropean Union / EEAUnited KingdomSingaporeSearch coverage
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLLicensed inUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapanSearch coverage
• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIPLicensed inEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab EmiratesSearch coverage
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFLicensed inUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapanSearch coverage
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLLicensed inUnited KingdomAustraliaUnited StatesEuropean Union / EEASearch coverage
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBLicensed inUnited KingdomUnited StatesCanadaEuropean Union / EEASearch coverage
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPILicensed inUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexicoSearch coverage
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLLicensed inEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndiaSearch coverage
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLLicensed inUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysiaSearch coverage
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLLicensed inSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysiaSearch coverage
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLLicensed inSingaporeUnited KingdomUnited StatesSearch coverage
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPILicensed inUnited KingdomIsraelUnited StatesSingaporeMexicoBrazilSearch coverage

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