State money transmitter licence
MTLMoney transfer & remittanceLicensed in each state where you transmit money — usually with surety bonds and minimum net-worth tests.
United States · us · State regulators (NMLS)
制度要点
- 允許辦理的業務
- Transmitting money for customers in that state (definitions vary by statute).
- 典型持牌主體
- Remittance firms, payout platforms and wallet operators serving US residents.
- 申請路徑
- File through NMLS with each state banking department. Bonds, net worth and resident-agent rules are set state by state.
- 重要限制
- A licence in one state does not passport into another. Unlicensed transmission is typically a criminal offence.
监管机构
State regulators (NMLS)US state banking departments, via NMLS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搜尋相關報導
- CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAFRSingapore搜尋相關報導
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI持牌地United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia搜尋相關報導
- FiservMerchant acquiring and issuer processing at scale.MTLEMI持牌地United StatesUnited KingdomEuropean Union / EEA搜尋相關報導
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI持牌地United StatesUnited KingdomAustraliaSingapore搜尋相關報導
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL持牌地CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia搜尋相關報導
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL持牌地United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia搜尋相關報導
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore搜尋相關報導
- RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL持牌地United StatesCanadaUnited KingdomAustralia搜尋相關報導
- RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAUnited KingdomSingapore搜尋相關報導
- StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan搜尋相關報導
- AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP持牌地European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates搜尋相關報導
- Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF持牌地United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan搜尋相關報導
- GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL持牌地United KingdomAustraliaUnited StatesEuropean Union / EEA搜尋相關報導
- PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB持牌地United KingdomUnited StatesCanadaEuropean Union / EEA搜尋相關報導
- PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico搜尋相關報導
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia搜尋相關報導
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia搜尋相關報導
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL持牌地SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia搜尋相關報導
- ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL持牌地SingaporeUnited KingdomUnited States搜尋相關報導
- RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI持牌地United KingdomIsraelUnited StatesSingaporeMexicoBrazil搜尋相關報導
United States的其他制度
這是一份人工整理的參考名錄，不是法律意見，也不保證窮舉。使用前請以監管機構公布的內容為準。