Money Services Business registration

制度要点

允许开展的业务

Money transmission, currency dealing/exchange, money orders, traveller’s cheques and prepaid access, as defined in the BSA.

典型持牌主体

Money transmitters, foreign-exchange desks, prepaid-access providers that operate in the United States.

申请路径

Register with FinCEN (and keep the registration current). This is a federal registration, not a substitute for state MTL.

重要限制

Does not authorise taking deposits. State money-transmitter licences are still required in each state of operation.

监管机构

官方来源

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.MTLMSBEMIAFSL持牌地United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA搜索相关报道
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAFRSingapore搜索相关报道
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI持牌地United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia搜索相关报道
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL持牌地CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia搜索相关报道
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL持牌地United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia搜索相关报道
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL持牌地United StatesCanadaUnited KingdomAustralia搜索相关报道
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAUnited KingdomSingapore搜索相关报道
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan搜索相关报道
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB持牌地United KingdomUnited StatesCanadaEuropean Union / EEA搜索相关报道
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB持牌地AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)搜索相关报道
• FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSB持牌地NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada搜索相关报道

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