Money Services Business registration

制度要点

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.

监管机构

공식 출처

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.MTLMSBEMIAFSL인가 지역United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA보도 검색
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI인가 지역United StatesEuropean Union / EEAFRSingapore보도 검색
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI인가 지역United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia보도 검색
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL인가 지역CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia보도 검색
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL인가 지역United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia보도 검색
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL인가 지역United StatesCanadaUnited KingdomAustralia보도 검색
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI인가 지역United StatesEuropean Union / EEAUnited KingdomSingapore보도 검색
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL인가 지역United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan보도 검색
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB인가 지역United KingdomUnited StatesCanadaEuropean Union / EEA보도 검색
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB인가 지역AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)보도 검색
• FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSB인가 지역NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada보도 검색

United States的其他制度

• MTLState money transmitter licence
• National charterNational bank or trust charter
• State charterState bank or trust charter
• Remittance ruleRemittance Transfer Rule