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Americas

226 questions
As a fresh startup, what is the probability of being sponsored by a bank or an exchange company? Oct 17, 2025 Sponsor Banks, FBO Accounts and Banking Access for Fintechs and MSBs Why do some US banks restrict or block international wire transfers? Jun 8, 2025 International Wire Transfers and Large Transfers How much money do you need for a new banking license in the United States? Apr 3, 2025 Licensing Strategy, Sponsorship and Agent Models How Much Money is Needed to Apply for a New Banking Charter? Dec 18, 2024 Central Banks and Bank Supervision Is a money transmitter license required for the operation of closed-loop cards in the United States? Jan 29, 2024 US Money Transmitter Licensing and MSB Registration Is a license required to operate crypto-related services in the US? Jan 5, 2024 Crypto and VASP Licensing What are the costs involved in registering as an MSB or money transmitter in the United States? Jan 2, 2024 US Money Transmitter Licensing and MSB Registration If you're a billing aggregator and you're simply providing billing information but not handling the payments, are you considered a money services business? Dec 10, 2023 US Money Transmitter Licensing and MSB Registration What are the state requirements for authorized delegates in terms of managing funds? Nov 18, 2023 Licensing Strategy, Sponsorship and Agent Models Do I need a license for a private USDT transaction in Florida? Nov 14, 2023 US Money Transmitter Licensing and MSB Registration Do you think an ACH can be rejected (incurring reject fees) if we verify the balance ahead of time? Feb 23, 2023 Domestic Payment Rails, National Switches and Clearing Systems How can there be fraud in the money transfer business? I don’t know about the business and want to know if it comes with some kind of chargeback or fraud protection for us. Feb 17, 2023 Money Transfer Business and MTOs We have established a money transfer company in Canada and now we are looking for a bank in the US and want to be its Authorized Delegate in the USA for money transfer services. Feb 16, 2023 Licensing Strategy, Sponsorship and Agent Models Can we get the US multi-currency accounts without being licensed in the US yet? Feb 15, 2023 Sponsor Banks, FBO Accounts and Banking Access for Fintechs and MSBs Do Trust Companies provide money transmitter license coverage? Feb 15, 2023 Licensing Strategy, Sponsorship and Agent Models What does it mean to acquire a Money Transmitter License (sponsorship)? Feb 9, 2023 Licensing Strategy, Sponsorship and Agent Models What is the process for obtaining a money transmitter license in the US? Feb 4, 2023 US Money Transmitter Licensing and MSB Registration If I want to launch a crypto wallet, how can I secure a sponsoring bank for a crypto money transfer license? Feb 2, 2023 Licensing Strategy, Sponsorship and Agent Models Where can I find a detailed breakdown of money transmitter license costs in the United States? Feb 1, 2023 US Money Transmitter Licensing and MSB Registration Is a money transmitter license adequate for launching crypto-related services in the US? Jan 26, 2023 Crypto and VASP Licensing What is the difference between Reserve and Pre-funding under Balances & Reserves? Jan 18, 2023 Money Transfer Business and MTOs As a sponsored party which parties do we share our customers’ KYC information with, if any? Jan 16, 2023 Licensing Strategy, Sponsorship and Agent Models Can I open a US bank account remotely to create a PayPal business account? May 11, 2022 Opening Bank Accounts, Personal and Business Is a money transmitter license sufficient for crypto services in the US? Jan 10, 2022 Crypto and VASP Licensing Is a routing number always required to transfer money? Jan 1, 2022 Domestic Payment Rails, National Switches and Clearing Systems How can small money transfer businesses improve competitiveness? Jul 6, 2021 Money Transfer Business and MTOs Does accepting cryptocurrency as payment classify a US company as an MSB under FinCEN? May 2, 2021 US Money Transmitter Licensing and MSB Registration What is the IBAN for Wells Fargo Bank? Mar 2, 2021 International Wire Transfers and Large Transfers Is it legal in the US for a business to issue its own internal currency for purchases? Dec 1, 2020 US Money Transmitter Licensing and MSB Registration If I receive money in the US on behalf of someone else to make an online purchase for them (they live outside the US), am I considered a money transmitter? Jun 6, 2020 US Money Transmitter Licensing and MSB Registration How are US money transmitters surviving “de-risking” (loss of banking relationships), and what workarounds do they use? Jun 6, 2020 Sponsor Banks, FBO Accounts and Banking Access for Fintechs and MSBs Can a fintech startup legally rent a money transmitter license? Jun 5, 2020 Licensing Strategy, Sponsorship and Agent Models Can you recommend law firms that specialize in US payments and money transmission regulation? May 6, 2020 US Money Transmitter Licensing and MSB Registration How can a non-resident obtain a high-risk merchant account in the US? Feb 8, 2020 Merchant Accounts, Processors and Gateways Do US authorities monitor PayPal transactions for illegal activity? Feb 8, 2020 AML Programs, KYC and Compliance Operations Is there any way to create a PayPal account for a minor? Jan 8, 2020 Digital Wallets, Mobile Money and P2P Payments Can someone open a US bank account from Nepal? Jan 7, 2020 Opening Bank Accounts, Personal and Business If someone in the US sends crypto abroad, the recipient sells it, and sends fiat proceeds back—are there legal or compliance risks? Nov 1, 2019 US Money Transmitter Licensing and MSB Registration If I collect money from people and send it using a licensed money transmitter’s app, is that legal in the US—and can I charge a fee for doing it? Sep 9, 2019 US Money Transmitter Licensing and MSB Registration What are the costs associated with surety bonds for US money transmitter licenses? Sep 5, 2019 US Money Transmitter Licensing and MSB Registration How difficult is licensing for crypto exchanges in the US? Sep 1, 2019 Crypto and VASP Licensing How can a cash-strapped startup obtain US money transmitter licenses? Sep 1, 2019 Licensing Strategy, Sponsorship and Agent Models What did the United States attempt to buy for $100 million in 1946? Aug 5, 2019 History of Money, Banking and Finance Is there a network or consortium for small licensed money transmitters in the US? Jun 9, 2019 US Money Transmitter Licensing and MSB Registration Why isn’t an escrow model like LocalBitcoins typically treated as a money transmitter/MSB in many US states? Mar 1, 2019 US Money Transmitter Licensing and MSB Registration Why are US banks closed during hours when it’s most convenient for many customers (evenings/weekends), and how does that make business sense? Feb 1, 2019 How Banks Work Will mobile payments ever replace credit cards in the US, and what are the main obstacles? Aug 7, 2018 Digital Wallets, Mobile Money and P2P Payments 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 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