Licence calculator
Start with a US regulatory path or compare Gulf source data.
US · STARTING POINTUS · Digital wallet / e-money
Money transmission / stored value: assess the funds flow
Regulator: FinCEN + relevant state regulators
CAPITAL FLOORNot verified; varies by state and structure
OFFICIAL TIMELINENot verified
US requirements depend on the exact funds flow, product and states served. Federal classification alone does not resolve state licensing. Review official starting point ↗
DIRECTIONAL — NOT LEGAL ADVICE
Figures are directional and compiled from public sources and operator experience as of 2026. Regulatory capital, timelines and rules change and vary by specific activity and entity. This is not legal, regulatory or investment advice — verify against primary regulator sources before acting.