State money transmitter licence

制度要点

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.

监管机构

Fonte oficial

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.MTLMSBEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEABuscar cobertura
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAFRSingaporeBuscar cobertura
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustraliaBuscar cobertura
• FiservMerchant acquiring and issuer processing at scale.MTLEMIAutorizada emUnited StatesUnited KingdomEuropean Union / EEABuscar cobertura
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIAutorizada emUnited StatesUnited KingdomAustraliaSingaporeBuscar cobertura
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLAutorizada emCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustraliaBuscar cobertura
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLAutorizada emUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndiaBuscar cobertura
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingaporeBuscar cobertura
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustraliaBuscar cobertura
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingaporeBuscar cobertura
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapanBuscar cobertura
• 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 EmiratesBuscar cobertura
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFAutorizada emUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapanBuscar cobertura
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLAutorizada emUnited KingdomAustraliaUnited StatesEuropean Union / EEABuscar cobertura
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBAutorizada emUnited KingdomUnited StatesCanadaEuropean Union / EEABuscar cobertura
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexicoBuscar cobertura
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLAutorizada emEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndiaBuscar cobertura
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysiaBuscar cobertura
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLAutorizada emSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysiaBuscar cobertura
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLAutorizada emSingaporeUnited KingdomUnited StatesBuscar cobertura
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIAutorizada emUnited KingdomIsraelUnited StatesSingaporeMexicoBrazilBuscar cobertura

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