State money transmitter licence

制度要点

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.

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
• FiservMerchant acquiring and issuer processing at scale.MTLEMI인가 지역United StatesUnited KingdomEuropean Union / EEA보도 검색
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI인가 지역United StatesUnited KingdomAustraliaSingapore보도 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
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL인가 지역United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore보도 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
• 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 Emirates보도 검색
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF인가 지역United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan보도 검색
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL인가 지역United KingdomAustraliaUnited StatesEuropean Union / EEA보도 검색
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB인가 지역United KingdomUnited StatesCanadaEuropean Union / EEA보도 검색
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI인가 지역United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico보도 검색
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL인가 지역European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia보도 검색
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL인가 지역United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia보도 검색
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL인가 지역SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia보도 검색
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL인가 지역SingaporeUnited KingdomUnited States보도 검색
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI인가 지역United KingdomIsraelUnited StatesSingaporeMexicoBrazil보도 검색

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