Money Transmitter Licensing
Plan, prepare, and manage money transmitter license applications with state-specific documentation, filing strategy, progress tracking, renewals, reporting schedules, and post-filing compliance support.
Move faster through complex payment licensing, sponsor bank reviews, and regulatory expectations with Fraxtional’s director-led compliance support. Built for fintech, crypto, embedded finance, and banking teams, our consulting helps align your business model, controls, documentation, and licensing strategy across the U.S., UK, Canada, and European Union.
Strategic licensing, compliance, and regulatory advisory for payment companies navigating complex financial services obligations.
Plan, prepare, and manage money transmitter license applications with state-specific documentation, filing strategy, progress tracking, renewals, reporting schedules, and post-filing compliance support.
Strengthen your compliance stack, pitch materials, policies, and operating controls to match with sponsor banks and move through onboarding diligence with fewer delays.
Build or enhance AML programs with access to CAMLOs and compliance experts experienced in BSA, OFAC, UK, EU, and Canadian anti-money laundering requirements.
Support Banking as a Service programs with BSA/AML oversight, third-party risk management, UDAAP, Reg E, policy development, and ongoing audit readiness.
Develop compliance programs for exchanges, wallets, DeFi platforms, and digital asset businesses, including VASP controls, Travel Rule support, sanctions screening, and licensing guidance.
Create practical, audit-ready policies and procedures with clear responsibilities, version tracking, review-ready formatting, and structures designed for sponsor bank and regulator scrutiny.
We begin by reviewing your product, payment flows, customer types, transaction activity, geographies, and risk profile to determine licensing obligations and identify the strongest regulatory path forward.
Fintech, crypto, banking, and payment companies rely on Fraxtional for practical compliance leadership.
Fraxtional delivers senior compliance guidance without the cost or commitment of a full-time executive.
Every client receives direct oversight from experienced compliance Directors, not junior-only delivery teams.
Support spans U.S., Canada, UK, and EU obligations for cross-border payment businesses.
Choose advisory, subscription, interim, or embedded leadership as your compliance needs evolve.
Fraxtional understands sponsor bank diligence, investor reviews, audits, and examiner expectations.
Experienced compliance leadership for regulated financial innovators.
Fraxtional was built for fintech, crypto, banking, and embedded finance companies that need senior compliance judgment before they are ready for a full-time executive hire. The team provides fractional CCO, CRO, BSA Officer, CAMLO, and MLRO support, integrating with internal operators to create practical compliance programs that withstand bank, investor, auditor, and regulator review. With coverage across the United States, Canada, the United Kingdom, and the European Union, Fraxtional helps companies manage both domestic and cross-border regulatory complexity. Its director-led model keeps strategy close to execution, giving growth-stage teams daily access to experienced compliance leadership and a sustainable path toward licensing, bank partnerships, and long-term operational resilience.
A payment consultant helps companies understand licensing obligations, regulatory risks, sponsor bank expectations, and compliance requirements tied to payment products. This can include money transmitter licensing strategy, AML program design, policy development, risk assessments, audit readiness, and support during bank or regulator reviews. Fraxtional focuses on practical guidance for fintech, crypto, embedded finance, and banking teams.
Speak with Fraxtional about your regulatory roadmap.
Recognized as a Leader in Compliance.
Senior oversight for every client engagement.
Support across major payment markets.
Tell us about your product, markets, and regulatory goals. Fraxtional will help identify the right licensing, compliance, and sponsor bank readiness path.
To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.
To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.