North America
Is it illegal in the US to offer remittances using cryptocurrency, and can crypto remittance services avoid the fees that regulated remittance providers pay?
May 6, 2018
US Money Transmitter Licensing and MSB Registration
Is Circle Pay a licensed money remittance company?
Apr 1, 2018
US Money Transmitter Licensing and MSB Registration
How does PayPal move money into bank accounts, and what is the underlying process?
Apr 5, 2017
Digital Wallets, Mobile Money and P2P Payments
Does the U.S. government track individual bank account balances?
Apr 3, 2017
Regulators, Enforcement and Regulatory Change
What are the main use cases of the Coinbase exchange?
Apr 1, 2017
Crypto Exchanges, Trading and Markets
What would be required for the many U.S. merchants using flat-screen POS terminals with built-in mag-stripe readers to meet new EMV acceptance requirements?
Apr 1, 2017
Merchant Accounts, Processors and Gateways
Which consulting firms can help set up an online forex brokerage in the United States?
Mar 1, 2017
High-Risk Industries
Why do companies require employees to have bank accounts for payroll, and what if I don’t want any relationship with banks?
Feb 1, 2017
Credit, Debit and Prepaid Cards
What was the first fully regulated legal Bitcoin exchange in the U.S.?
Feb 1, 2017
Crypto Exchanges, Trading and Markets
What identification do U.S. banks require to open a checking account?
Jan 1, 2017
Opening Bank Accounts, Personal and Business
Are U.S. banks generally willing to open accounts for U.S. companies owned by non-residents?
Nov 6, 2016
Opening Bank Accounts, Personal and Business
Which prepaid cards in the United States allow receiving money from individuals?
Nov 5, 2016
Credit, Debit and Prepaid Cards
Why can’t ACH transfers be processed instantly?
Sep 1, 2016
Domestic Payment Rails, National Switches and Clearing Systems
How realistic was same-day ACH becoming widespread in 2016?
Jul 9, 2016
Domestic Payment Rails, National Switches and Clearing Systems
As Americans, what can we do to increase the strength or value of the U.S. dollar?
Jul 3, 2016
Economics, Inflation and Monetary Policy
Why do bank transfers still take so long today?
Jun 9, 2016
Domestic Payment Rails, National Switches and Clearing Systems
Is there a way to let users transfer money to each other directly from their bank accounts inside my app?
Apr 12, 2016
Domestic Payment Rails, National Switches and Clearing Systems
What impact will FinCEN regulation have on virtual-currency payment systems being treated as money transmitters?
Apr 10, 2016
US Money Transmitter Licensing and MSB Registration
Can digital bank transfers in the U.S. be completed on weekends, and why or why not?
Apr 5, 2016
Domestic Payment Rails, National Switches and Clearing Systems
What is the most cost-effective way to wire funds from the U.S. to Europe?
Apr 5, 2016
Sending and Receiving Money Abroad
How can I send money from the U.S. to the Philippines via wire for free?
Apr 1, 2016
Sending and Receiving Money Abroad
What legal and technical requirements are needed to launch a crowdfunding platform in the U.S.?
Mar 9, 2016
US Money Transmitter Licensing and MSB Registration
How can a business identify the legal process required to obtain a money transfer license?
Mar 6, 2016
US Money Transmitter Licensing and MSB Registration
Are there Canadian banks willing to open accounts for money services businesses despite tighter MSB policies?
Mar 6, 2016
Sponsor Banks, FBO Accounts and Banking Access for Fintechs and MSBs
Who invented the credit card, and how did it become a widely used payment method in the United States?
Mar 5, 2016
History of Money, Banking and Finance
In Canada, what’s the best API-based way to send money besides PayPal?
Mar 2, 2016
Domestic Payment Rails, National Switches and Clearing Systems
How many retail banks are there in the U.S. (excluding branches)?
Feb 3, 2016
How Banks Work
Which consulting firms specialize in helping companies obtain U.S. money transmitter and MSB licenses?
Feb 3, 2016
US Money Transmitter Licensing and MSB Registration
Why does U.S. banking appear relatively outdated compared with other countries?
Feb 1, 2016
Domestic Payment Rails, National Switches and Clearing Systems
What laws or tools would be needed to legally link Bitcoin wallets to real identities like PayPal accounts?
Jan 12, 2016
US Money Transmitter Licensing and MSB Registration
In the U.S., do you have to include a tax ID (SSN or EIN) on an invoice?
Jan 7, 2016
Tax and Financial Reporting
Does a marketplace-style business need a money-transmitter license?
Jan 7, 2016
US Money Transmitter Licensing and MSB Registration
Who is not required to file income taxes in the United States?
Jan 5, 2016
Tax and Financial Reporting
Why does it take several business days to move money electronically between two U.S. banks?
Jan 5, 2016
Domestic Payment Rails, National Switches and Clearing Systems
What is the legal and technical structure behind Coinbase’s exchange platform?
Jan 2, 2016
Crypto Exchanges, Trading and Markets
Why might a company demand a bank wire instead of an ACH transfer for large payments?
Jan 2, 2016
Domestic Payment Rails, National Switches and Clearing Systems
What is the cheapest way to send $1,000–$3,000 from the U.S. to a Mexican bank account?
Jan 1, 2016
Sending and Receiving Money Abroad
What strategies are most effective for helping unbanked people in the U.S. become fully banked?
Jan 1, 2016
Emerging Markets and Financial Inclusion
What are the best books for learning about anti–money laundering?
Jan 1, 2016
AML Programs, KYC and Compliance Operations
Can Bitcoin be outlawed or regulated in the U.S., and by what mechanisms?
Jan 1, 2016
Crypto and VASP Licensing
What laws and regulations apply to Bitcoin businesses operating in the United States?
Jan 1, 2016
US Money Transmitter Licensing and MSB Registration
Where can I find a complete U.S. guide to anti–money laundering compliance?
Jan 1, 2016
AML Programs, KYC and Compliance Operations
Is there a payment provider in the U.S. that lets us launch our own white-label mobile wallet?
Nov 6, 2015
Digital Wallets, Mobile Money and P2P Payments
Would Qiwi be treated as a money-transfer service under U.S. regulations?
Oct 8, 2015
US Money Transmitter Licensing and MSB Registration
In the U.S., is the mobile payments market being driven more by retailers or by banks?
Oct 3, 2015
Digital Wallets, Mobile Money and P2P Payments
Which regulations apply when starting a money handling or money transfer business in the US?
Sep 11, 2015
US Money Transmitter Licensing and MSB Registration
Why are there still no major, large-scale Bitcoin exchanges based in the United States?
Sep 6, 2015
US Money Transmitter Licensing and MSB Registration
Is knowing someone’s bank account number alone enough to withdraw money from a US bank account?
Aug 11, 2015
Domestic Payment Rails, National Switches and Clearing Systems
Why do US banks typically charge around $30 for sending a wire and $12 for receiving one between businesses?
Aug 6, 2015
Domestic Payment Rails, National Switches and Clearing Systems
What exactly are ACH fees and who charges them?
Aug 5, 2015
Domestic Payment Rails, National Switches and Clearing Systems