Do you need both money transmitter and MSB licenses to start an international money transfer business?

Alternatively, you can become a reseller for a company that already has all the legal requirements fulfilled.

If your business would be online, then you need a money service business as well as a Money Transmitter license in all 44 States. Whilst it may sound like a gigantic task, your best approach would be to partner up with companies in all the 50 states.