Downloads & Resources
Free guides, checklists, and templates for cross-border payments and fintech compliance.
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Section A
01 DocumentCompliance Resources
AML/BSA manuals, KYC frameworks, risk assessment templates
DocumentTypeFormatFile
Correspondent and Counterparty Risk Rating ManualThis manual establishes the policy, procedures, and risk rating methodology that a Company applies to all correspondents and counterparties with which it maintains, or proposes to maintain, a business relationship involving the receipt, disbursement, settlement, or handling of funds.TypeCompliance ResourcesFormatPDF · 100.6 KB
Section B
03 DocumentsStrategy Guides
Multi-state strategy, pathway comparison, cost analysis
DocumentTypeFormatFile
Canadian MSB: Buy One? Apply for One? or Seek Sponsorship?Why Buy a Canadian MSB Rather Than Applying for One, or Seeking Sponsorship? The three ways into Canada’s regulated payments market, the real numbers behind each route, and how to choose between them.TypeStrategy GuidesFormatPDF · 377.4 KB
Data Drives DecisionsHow to validate your business idea before you build it, using interviews, surveys and field research instead of opinion.TypeStrategy GuidesFormatPDF · 163.8 KB
Defending Against First-Party Chargeback Fraud in Card- Funded RemittancesHow US money services businesses accepting debit and credit cards for transfers to Pakistan, India, Ethiopia, Tanzania, Nigeria, South Africa, the Philippines, Bangladesh, Nepal, and Brazil can detect, prevent, and defeat friendly fraud.TypeStrategy GuidesFormatPDF · 89.3 KB
Section C
01 DocumentBanking & Payments
MSB banking guides, correspondent agreements, payment rails
DocumentTypeFormatFile
Access to Banking - Introduction ServiceA paced introduction program that connects you with eight to nine vetted solution providers who can assist with banking, for one fixed fee.TypeBanking & PaymentsFormatPDF · 129.1 KB
Section D
55 DocumentsMTL State Guides
Individual state money transmitter license guides
DocumentTypeFormatFile
Alabama Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 42.7 KB
Alaska Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 30.0 KB
Arizona Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 29.2 KB
Arkansas Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 40.4 KB
California Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 45.0 KB
Colorado Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 37.3 KB
Connecticut Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 32.0 KB
Delaware Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 40.3 KB
District of Columbia Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 54.2 KB
Florida Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 38.3 KB
Georgia Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 36.5 KB
Hawaii Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 40.5 KB
Idaho Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 31.7 KB
Illinois Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 43.8 KB
Indiana Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 35.4 KB
Kansas Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 37.6 KB
Kentucky Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 40.4 KB
Louisiana Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 43.2 KB
Maine Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 48.8 KB
Maryland Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 56.2 KB
Massachusetts Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 48.8 KB
Michigan Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 34.7 KB
Minnesota Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 42.7 KB
Mississippi Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 39.2 KB
Missouri Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 43.3 KB
Montana Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 34.4 KB
Nebraska Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 46.5 KB
Nevada Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 35.3 KB
New Hampshire Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 41.0 KB
New Jersey Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 44.4 KB
New Mexico Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 36.1 KB
New York Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 51.5 KB
North Carolina Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 35.5 KB
North Dakota Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 41.0 KB
Oklahoma Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 38.4 KB
Oregon Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 40.6 KB
Pennsylvania Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 44.8 KB
Puerto Rico Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 37.2 KB
Rhode Island Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 51.2 KB
South Carolina Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 50.3 KB
South Dakota Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 56.8 KB
Tennessee Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 31.6 KB
Texas Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 44.4 KB
US Virgin Islands Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 58.7 KB
Vermont Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 51.3 KB
Virginia Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 43.2 KB
Washington Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 43.9 KB
West Virginia Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 43.8 KB
Wisconsin Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 56.6 KB
Wyoming Money Transmitter LicenseMoney Transmitter License GuideTypeMTL State GuidesFormatMD · 42.7 KB
Section E
03 DocumentsLicensing Pricing
DocumentTypeFormatFile
Global Licensing Price Sheet (July 2026)Global Licensing Price List for licenses in various countries. Last updated July 2026.TypeLicensing PricingFormatPDF · 52.0 KB
US Money Transmitter License Rate Sheet (July 2026)Rate sheet for US Money Transmitter Licensing for all the US StatesTypeLicensing PricingFormatPDF · 48.3 KB
US MTL: Your Four Options At A GlanceQuick cheatsheet on US Money Transmitter License: Your four options at a glance, including numbers.TypeLicensing PricingFormatPDF · 82.1 KB
Section F
02 DocumentsPricing Sheet
DocumentTypeFormatFile
The Global Advisory ProgramContinuous access to a cross-border payments practice covering licensing, banking access, corridor structuring and compliance architecture across seventy-two jurisdictions.TypePricing SheetFormatPDF · 170.4 KB
The Premium Pricing Sheet (Addendum)What a BaaS sponsor will actually charge a neobank program, line by line, and what Faisal Khan LLC charges to take you from readiness to go-live.TypePricing SheetFormatPDF · 87.6 KB
Section G
06 DocumentsLicensing
Licensing vs Non-Licensing
DocumentTypeFormatFile
Acquiring a Canadian MSB (Proposal)A clean, never-operated corporation that already holds a FINTRAC registration. Bought outright, on your balance sheet, operational in six to eight weeks.TypeLicensingFormatPDF · 149.0 KB
Becoming an Authorized DelegateOnboarding, due diligence and activation. What the principal license holder needs to see, what to prepare before you apply, and what actually drives the timeline.TypeLicensingFormatPDF · 537.7 KB
Canada RPAA Registration PlaybookFor a FINTRAC-registered Money Services Business seeking registration as a Payment Service Provider under the Retail Payment Activities ActTypeLicensingFormatPDF · 369.3 KB
Movement of Money Across Border is a Regulated ActivityTechnical capability and regulatory authority are two different things. How to read the send side, the receive side and the agreement that connects them.TypeLicensingFormatPDF · 163.3 KB
MSB Agent Sponsorship ProgramYour pathway to licensed US money transmission as an Authorized Delegate — the process, the investment, the timeline, and the next steps to get you operational.TypeLicensingFormatPDF · 590.3 KB
Smart Contract Payments and Money Transmitter Licensing“A Smart Contract Moves the Money, Not Us.” Do You Still Need a Money Transmitter License? A question we are asked, in one form or another, almost every week, answered with the statutes, the FinCEN guidance, and the case law as they stand today.TypeLicensingFormatPDF · 91.6 KB
Section H
08 DocumentsPrimers
DocumentTypeFormatFile
Becoming a U.S. Money Transmitter Authorized Delegate (Detailed Primer)Learn how the MSB authorized delegate model works in the United States, from onboarding and compliance to banking, KYC, ACH, settlement, and regulatory responsibilities. This practical guide explains the full process, key risks, commercial considerations, and common questions companies should understand before becoming an authorized delegate.TypePrimersFormatPDF · 224.9 KB
Buying a Canadian Money Services Business (MSB)A practitioner’s guide covering the share purchase, due diligence, payment mechanics, change of control, FINTRAC notification, and the corporate document handover that completes the transaction. Compiled from real transactions with all parties anonymized.TypePrimersFormatPDF · 573.6 KB
How to Start a Money Transfer Business (in 2026)Read this before you spend a dollar: the capital, the customers, the compliance, and the sequencing that separate a real launch from an expensive mistake.TypePrimersFormatPDF · 406.0 KB
The Fintech Licensing Primer: UK SPI vs. Canada MSBWhy cross-border fintechs are being forced to hold a license of their own, and a full comparison of the two most practical routes to market — a UK Small Payment Institution and a Canada Money Services Business.TypePrimersFormatPDF · 512.0 KB
The KYB Compliance Information PacketWhat a Solution Provider or NBFI Will Ask You For, and How to Prepare ItTypePrimersFormatPDF · 138.5 KB
The Neobank Readiness & Sponsorship Qualification PrimerWhat you must define, prove, and prepare before any BaaS sponsor, bank, or regulated institution will take your program seriously.TypePrimersFormatPDF · 213.6 KB
Understanding U.S. ACHPush and pull, settlement, authorization, liability and open banking. Written for compliance, operations, risk and product teams at money transfer and payments companies.TypePrimersFormatPDF · 233.9 KB
Venezuela: USD/VES Money Transmission, Netting & LicensingA practical operating and structuring framework for the U.S.–Venezuela corridor: classification, netting, licensing, sanctions, liquidity, and implementation.TypePrimersFormatPDF · 1.0 MB
Section I
09 DocumentsExplainers
DocumentTypeFormatFile
A Company is NOT a License.Merely registering a company does not mean you have a financial services license.TypeExplainersFormatPDF · 171.5 KB
EMV 3-D Secure for US Remittance MerchantsHow 3DS works, how to obtain and implement it in the United States, and how successful authenticationTypeExplainersFormatPDF · 122.9 KB
Money Transmitter License Options in the USYou want to move money in the United States. Before you spend a dollar, understand this page. It will save you
months of wasted time and, in many cases, a seven-figure mistake.TypeExplainersFormatPDF · 37.8 KB
Pre-Engagement-Questionnaire: The Questions I Need AnsweredBefore I can tell you whether I can help and what that would look like, I need the structure written down rather than described.TypeExplainersFormatPDF · 144.4 KB
Prefunding Explain in Cross-Border PaymentsPrefunding Explained: What pre-funding is, whose money it is, how to finance it when your own capital runs short,
and the questions to settle with your provider before you sign.TypeExplainersFormatPDF · 441.3 KB
There is No MTL SandboxWhy no principal license holder will sponsor your MVP, why the sandbox you are looking for does not exist, and what the real path to launch costs.TypeExplainersFormatPDF · 105.1 KB
Understanding SP FeesFees, pricing, FX and payout mechanics in a license sponsorship arrangement. Where each charge sits, who keeps it, and which parts of the economics remain available to you.TypeExplainersFormatPDF · 783.3 KB
Where Money Goes and Who Gets WhatA $100 transfer traced through six hand-offs. Every deduction is a contract term - not a market rate.TypeExplainersFormatPDF · 2.1 MB
Why Money Transfer License Sponsorship Is Rarely FreeWhat a principal license holder is actually selling you, what it typically costs, and why a business plan is not a negotiating position.TypeExplainersFormatPDF · 162.0 KB
How to use these
Everything published here is general guidance, not advice on your situation. Checklists are starting points for a conversation with counsel, not substitutes for one. Figures and thresholds change — check the date on the cover page before relying on anything.
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Request a ResourcePage Last Updated: 19/Aug/2026 (1000018)