Enter the US Market With Confidence
State-by-state licensing, BSA/AML program design, and sponsor bank readiness, built by operators who've guided international fintechs through the maze.
The US Regulatory Firewall
State-by-State Licensing
No single US license. Money transmission requires individual licenses in up to 50 states.
BSA/AML From Day One
US regulators expect a fully operational compliance program before your first transaction.
Sponsor Bank Gatekeeping
US sponsor banks need to see governance, controls, and audit trails first.
Your US Market Entry Roadmap
Discovery & Gap Assessment
2-4 weeksWe analyze your business model against US regulatory requirements.
Program Design & Build
6-10 weeksWe design your complete BSA/AML program to US standards.
Licensing & Applications
3-12 monthsWe prepare and manage state license applications.
Sponsor Bank & Launch
4-8 weeksWe prepare sponsor bank materials and examination prep.
Frequently Asked Questions
Do we need a US entity?
Yes. Most states require a US-incorporated entity to hold an MTL. We can advise on entity structure but don't provide legal incorporation services.
Can we start with just a few states?
Absolutely. Many international fintechs start with 5-10 strategic states and expand over time. We help you prioritize based on your target market and growth plans.
What about federal registration?
MSBs must register with FinCEN at the federal level. This is separate from state licensing and is typically straightforward. We handle both.
How long does state licensing take?
Varies significantly: some states approve in 60 days, others take 12+ months. New York (BitLicense) is notably slow. We help you sequence applications strategically.
Ready to Cross the Border?
Let's discuss your expansion plans and build a realistic licensing roadmap.
Schedule a Consultation