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USA Fintech Launch Made Fast

The all-in-one 'Fintech-in-a-Box' solution for US Fintech projects. We combine digital core banking software, US MSB (FinCEN) registration, and sponsor bank readiness into a single, seamless fast-track.
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WHY THE UNITED STATES

The #1 Market. The #1 Launchpad

A US Money Services Business gives your fintech credibility, access to USD correspondent banking via US sponsor bank, and a gateway to global financial networks — all within a federal regulatory framework that is transparent, well-documented, and faster than most expect.

Fastest Federal Path

US MSB via FinCEN typically takes 2–3 months — running in parallel with your core banking software setup

Cross-Border Power

Ideal for launching cross-border payment corridors between the US and international markets

Sponsor Bank Access

We support your onboarding with US sponsor banks, enabling USD clearing and settlement.

WHY ADVAPAY

Your End-to-End US Market Partner

US-Focused solution provider

We operate directly within the US regulatory environment, maintaining active relationships with US sponsor banks.

Global Experience

We know how to structure regulated businesses and open accounts for customer funds in banks and financial institutions across the globe

All-in-One

We provide a turnkey solution including licensing, compliance-as-a-service support, safeguarding infrastructure and banking software

Use cases

Neobanking & Digital Wallets

White-label banking apps with multicurrency accounts, cards, and real-time payments

Crypto-Fiat Ecosystems

Seamlessly bridge stablecoins, Bitcoin, and USD

Cross-Border Payment Platform

Global remittance corridors with real-time settlement and USD as the anchor currency

Card Issuing Platforms

Launch branded virtual and physical Visa / Mastercard programs

Local USD Wallets

Offer US customers a fast, compliant digital wallet experience with full domestic payment coverage

Stablecoin-Fiat Wallets

Run a stablecoin-based cross-border payment platform fully integrated with fiat settlement rails

THE SOLUTION

What's Inside the Box?

Everything you need to launch a regulated US fintech — pre-built, pre-integrated, and ready to deploy.

01

Ready-to-Deploy Digital Core Banking

A modular, cloud-native Banking-as-a-Service platform featuring:

  • Web & mobile banking apps
  • Card management module for virtual & physical cards
  • Crypto-wallet & stablecoin module
  • Multicurrency ledger & real-time FX engine
02

Regulatory & Compliance Path

Two distinct pathways to market:

  • The MSB Path
    We facilitate your US Money Service Business (FinCEN) registration and build your full AML/BSA compliance suite.
  • The Agent Path
    Rapid market entry as an Authorized Agent of an established US sponsor bank
03

Bank Readiness & Connectivity

Navigating US sponsor banks is the hardest hurdle. We provide:

  • Bank Readiness Guide tailored for US institutions
  • Compliance presentation decks for sponsor bank reviews
  • Direct assistance communicating with US financial institutions
  • Onboarding with network of US, UK, EU & African correspondent banks
04

Compliance-as-a-Service (CaaS)

Ongoing expert guidance to keep your platform fully compliant with evolving US regulatory standards

Process

Why Fintech-in-a-Box?

Single-Vendor Management

Eliminate vendor fatigue. Manage software, legal, compliance, and banking relationships through one trusted partner.

Cost Efficiency

Exclusive all-in-one bundle pricing — significantly more cost-effective than sourcing each component individually.

Fast-Track Deployment

Pre-built, pre-integrated systems specifically designed for rapid US market entry.

Proven Expertise

60+ fintechs launched globally. We are not just developers — we are fintech practitioners with real-world launch experience.

Compliance-First

Built around BSA, OFAC, and PATRIOT Act from day one. Compliance is embedded, not bolted on.

Global Banking Network

Direct access to our correspondent banking network across the US, UK, EU, and Africa for seamless settlement.

Understanding the US Money Services Business (MSB)

A US Money Services Business (MSB) registration with the Financial Crimes Enforcement Network (FinCEN) — a bureau of the US Department of the Treasury — is a federal-level authorization that allows your entity to legally engage in regulated financial activities.

Activities Under FinCEN MSB Registration

Money Transmission

Send and receive payments domestically and internationally, including cross-border remittances.

Currency Exchange (FX)

Exchange foreign currencies against USD for consumers and businesses.

Check Cashing

Legally cash checks and money orders for customers.

Stored Value / E-Wallets

Issue stored value instruments including prepaid cards and digital wallets.

Crypto-to-Fiat Operations

Exchange, send, and receive crypto assets (subject to FinCEN guidance & state-level MTL requirements).

Sale of Money Orders / Traveler's Cheques

Issue and sell money orders and traveler's cheques.

Federal vs. State: Understanding Both Levels

The US MSB (FinCEN) registration is a federal authorization — it is the primary license needed to operate nationwide under federal law. However, the United States also has a state-level licensing layer.

Federal MSB (FinCEN)

  • Registered directly with FinCEN (US Treasury)
  • Federal registration (does not replace state licensing) — applies across all 50 states
  • Typically completed in 2–3 months
  • Required for all money services businesses operating in the US
  • No fee for FinCEN registration itself
  • Requires full AML/BSA compliance program

State MTL (Money Transmitter License)

Additionally, nearly all US states require their own Money Transmitter License (MTL) to operate within their bor

Advapay US can assist with state-level MTL registrations across key states.

MTL applications may run in parallel with FinCEN registration and core banking setup for maximum efficiency.

LAUNCH TIMELINE

How to Launch Your 
US Fintech — Faster 
Than You Think

US MSB registration with FinCEN offers a rapid federal path, typically processed within weeks.Combined with parallel software deployment and BSA/AML setup, your platform can achievelaunch readiness in an estimated 3 to 6 months.
‍
Note: Timeline reflects technical and compliance setup. Live transaction processing depends onsponsor bank due diligence and underwriting schedules, which may take longer.

Phase
Activity
Month 1
Company incorporation + Initial FinCEN MSB registration filing
Month 1-2
Core banking software provisioning, configuration & customization begins
Month 2
Account opening at US sponsor bank / correspondent bank (Bank Readiness process)
Month 2
AML/BSA compliance program development + internal policies & procedures
Month 2-3
FinCEN registration confirmation + compliance program finalization
Month 2-4
Mobile & web app testing, QA, and integration with banking rails
Month 4-6
YOU ARE LIVE — ready to onboard customers and process transactions
ABOUT ADVAPAY

About Advapay

Advapay is an international fintech consulting company and banking software vendor with offices in seven countries: the Netherlands, the United Kingdom, Estonia, Canada, Serbia, Spain, and Poland. Our local US-focused team supports fintech companies entering the American market with regulatory guidance, sponsor bank relationships, compliance expertise, and the operational infrastructure needed to launch and scale successfully.

7

Global
Offices

60+

Fintechs Launched

70

Team
Members

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