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I will msb registration and aml compliance program for prepaid access and crypto
About this Gig
Are you launching a fintech app, crypto exchange, digital wallet, or prepaid access service?
To operate legally in the US, you must comply with federal regulations.
As a corporate financial compliance specialist, I provide comprehensive registration and compliance infrastructure setup for Money Services Businesses (MSB). Avoid heavy penalties and platform take-downs by securing your legal foundations early.
What I Offer:
- Federal FinCEN Registration: Thorough compilation and filing of FinCEN Form 107 to get your official MSB status.
- Custom AML/BSA Compliance Program: A comprehensive, audit-ready written policy covering risk assessment, Know Your Customer (KYC) onboarding protocols, and internal controls.
- Prepaid Access & Stored Value Consulting: Structuring your digital wallet or card program to fit federal exemptions or licensing criteria.
Ensure your business is fully protected and ready to scale.
Note: Government filing fees, if applicable, are handled directly by the client. Please message me with your business model details before placing an order to ensure a seamless filing process.
FAQ
What is an MSB?
A Money Services Business (MSB) is a legal designation by FinCEN for non-bank financial entities offering money transmission, check cashing, currency exchange, or prepaid access services.
Does my digital wallet startup need FinCEN registration?
Yes. If your business issues, sells, or redeems prepaid access or stored value (like digital gift cards or wallet balances), you generally fall under MSB regulations.
What is included in the federal FinCEN registration service?
I handle the preparation, data verification, and filing of FinCEN Form 107, delivering your official federal MSB registration certificate upon approval.
Will this compliance program pass an independent audit?
Yes. The AML/BSA compliance program in the Premium package is drafted to meet federal compliance requirements and satisfy bank partners.
Does federal registration cover state money transmitter licenses (MTL)?
No. FinCEN registration is at the federal level. State-level Money Transmitter Licenses (MTLs) require separate applications based on where your users live.
Do I need to provide corporate formation documents?
Yes. To file your registration, I will need your legal business name, EIN (Tax ID), corporate address, and designated compliance officer details.
How long does the FinCEN registration process take?
The document compilation takes 2 to 4 days. Once submitted, FinCEN typically processes and lists the registration online within 1 to 2 weeks.
Can you help with international fintech compliance?
This specific gig focuses heavily on US regulations (FinCEN). If you need help with Canadian (FINTRAC) or UK (HMRC) frameworks, please message me directly.
What is a Prepaid Access Provider under FinCEN rules?
It is an MSB that provides customers access to funds paid in advance that can be retrieved later via electronic devices, mobile wallets, or plastic cards.
Can you act as our company's permanent Compliance Officer?
No. I provide the infrastructure, registrations, and written policies. Your company must appoint an internal employee to act as the official Compliance Officer.
