Get licensed.
Start scaling.
We get fintech companies, neobanks, and payment processors licensed, registered, and compliant — across every US jurisdiction.
State money transmitter applications take 6–18 months to process. Every week you wait, your competitors are moving ahead in the review queue.
Start where you are
"Fintech" is six regulators wearing one word
A stablecoin issuer, a payments API, a neobank, a prediction market, an AI broker-dealer and an agent that moves money share almost nothing in regulatory terms. Start with the sub-segment that actually describes you.
State MTL · FinCEN · SEC/CFTC
Crypto & digital assets
Custody, on-ramps, issuance and yield — where the asset characterisation decides which agency you answer to.
Digital assets →State MTL · FinCEN · Networks
Digital payments
Fifty licensing regimes, then the network rulebooks and consumer-protection duties that shape daily operations.
Payments →OCC / FDIC / Fed · State
Digital banking
Renting a charter or applying for one — two different companies, with two very different supervisory perimeters.
Digital banking →CFTC · NFA
Prediction markets
Event contracts are a derivatives business under the Commodity Exchange Act, with an actively contested perimeter against state gaming regulators.
Prediction markets →SEC · FINRA
AI broker-dealers
The model can generate the recommendation. Registration, supervision and records still sit with the firm and named individuals.
AI broker-dealers →CFPB · Prudential · State AI law
AI-native fintech
Agents, autonomous underwriting and model-driven decisions — where the obligation follows what the product does, and explainability is the hard part.
AI-native →Who We Serve
If you build it, we'll get it licensed
Payment processors, neobanks, lending platforms, and digital asset companies across financial services.
Payment Processors
Licensing across states, MTL applications, renewal management. We handle every money transmitter license application, coordinate surety bonds, and keep your licenses current — so you can focus on processing payments.
Neobanks & Digital Wallets
Banking partnerships, state licensing, compliance programs. We connect you with sponsor banks, file state licenses, and build the compliance infrastructure you need to launch and scale consumer financial products.
Lending Platforms
Lending licenses, interest rate compliance, state usury laws. We file lending and consumer finance license applications across every required jurisdiction and keep you compliant with fair lending and disclosure requirements.
Crypto & Digital Assets
Money transmitter licensing for crypto, BitLicense, federal MSB registration. We navigate the complex patchwork of state and federal requirements for exchanges, custodians, and digital asset platforms.
Ecosystem
Your banks. Your regulators. Your infrastructure. One platform.
From FinCEN and state banking departments to sponsor banks, payment networks, and compliance vendors — we sit at the center of the entire fintech regulatory ecosystem.
Process
Intake to approval.
Four steps.
You provide the documents. We handle everything else.
Intake
Upload your existing documents. Our AI extracts everything and identifies exactly which licenses and registrations you need.
Preparation
We assemble applications, collect principal disclosures, coordinate surety bonds, and prepare every filing.
Filing
Filed with state banking departments, DFS, and all relevant regulators through their required portals and channels.
Compliance
Renewals, examinations, annual reports, call reports — tracked and managed on autopilot.
Your Dashboard
Track every filing
without lifting a finger
Real-time status across every jurisdiction. Plain-language updates — no regulatory jargon.
Coverage
Every jurisdiction your business needs
Federal registration, 53 state banking departments and financial regulators.
Beyond Licensing
CADE Legal Documents & Analysis
Draft or review the legal work your fintech business needs. CADE plans, researches, drafts, challenges, assembles, and securely delivers durable work product for self-service or expert review.
Sponsor Bank Matching
Tell us what you need. We find, vet, and introduce you to sponsor banks and BaaS partners — so you can launch payment products, issue cards, and hold deposits without a bank charter.
Consumer Promotions
Tell us what you want to run. We design the legal structure, draft official rules, ensure UDAAP compliance, register with every state that requires it, and manage prize fulfillment — so your fintech promotion launches clean.
Crypto Compliance
Navigate digital asset regulatory compliance. BitLicense applications, FinCEN MSB registration, state money transmitter licensing for crypto, and BSA/AML program development — structured for exchanges, custodians, and DeFi platforms.
Fintech Ad Compliance
Running financial services ads? Every campaign needs state-specific review before it goes live. We check required APR disclosures, UDAAP compliance, TILA requirements, and platform rules across every jurisdiction you're targeting.
Company Formation
Form the right entity structure before you apply. We incorporate in the optimal state for fintech licensing, draft operating agreements that satisfy regulator disclosure requirements, and wire your cap table directly to your license applications.
Frequently asked questions
What is a money transmitter license?
A money transmitter license (MTL) is required by state regulators for any company that transmits money or monetary value on behalf of others. This includes payment processors, remittance companies, digital wallet providers, cryptocurrency exchanges, and any fintech that moves funds between parties. Most US states require an MTL before you can legally operate, and each state has its own application process, fees, net worth requirements, and surety bond amounts. The license is typically filed through the NMLS (Nationwide Multistate Licensing System).
How many states require money transmitter licenses?
Currently, 49 states plus the District of Columbia require some form of money transmitter or money services business license. Montana is the only state that does not require a money transmitter license. However, even Montana-based companies need licenses in every other state where they have customers. Each state has its own regulatory agency — from the NY DFS to the CA DFPI to the TX DOB — with different application requirements, fees, surety bond amounts, and processing times. We manage applications across all required jurisdictions simultaneously.
What is FinCEN MSB registration?
FinCEN (Financial Crimes Enforcement Network) requires federal registration as a Money Services Business (MSB) for companies engaged in money transmission, currency exchange, check cashing, prepaid access, or dealing in convertible virtual currency. MSB registration is a federal requirement separate from state licensing — you need both. Registration must be completed within 180 days of starting operations and renewed every two years. FinCEN registration also triggers BSA/AML compliance obligations, including developing an anti-money laundering program, filing suspicious activity reports (SARs), and maintaining customer records.
Do I need a BitLicense?
If you engage in virtual currency business activity involving New York residents, you likely need a BitLicense from the NY DFS. This covers receiving, storing, transmitting, converting, buying, selling, or issuing virtual currency. The BitLicense is one of the most demanding fintech licenses — it requires detailed business plans, BSA/AML programs, cybersecurity policies, audited financials, and extensive background checks. Processing times typically run 12–24 months. Some companies qualify for a limited-purpose trust charter instead. We handle the full BitLicense application process.
Your market won't wait.
State money transmitter applications take 6–18 months to process. Every week you delay, your competitors move further ahead in the review queue.
Start Your ApplicationOur current clients are already in the review queue. Get in line now.