At the end of March 2026，Hong Kong Information Communications has received some real good news：The entire process will be handled by our company，Another high-quality mainland cross-border enterprise has been officially approvedHong Kong Money Services Operator (MSO) License！
In the context of global trade compliance,，Hong Kong’s role as a bridge to the international financial center has become increasingly prominent。recently，Hong Kong Xintong successfully assisted a cross-border trading company from mainland China，Successfully approvedHong Kong Money Services Operator (MSO) License！
one、Customer background：From looking for third-party payment to owning an MSO license
Customers find Hong Kong Information Communications in July 2025，After preliminary communication，The client’s background and ideas are：
Customer's city： Shenzhen and Guangzhou
Nature of customer’s business： A mainland B2B trading service provider focusing on emerging markets (Middle East and Southeast Asia)。
Business status： In the past, companies mainly usedThird-party cross-border payment platformPerform fund settlement。As business volume grows，Settlement costs are getting higher。The customer hopes to establish an independent payment system through a Hong Kong entity，to reduce settlement costs，Improve capital flow efficiency。
two、4big challenge：Typical difficulties for mainland enterprises to apply for MSO
1、Director and management background checks
The core customer management team is based in the Mainland，Not staying in Hong Kong for a long time。Hong Kong Customs is extremely strict in reviewing the “Fit and Proper” of directors.，Focus on anti-money laundering background、Criminal record and integrity status。
2、Lack of localized operation foundation
MSO license application requires applicants to have a local entity office address in Hong Kong，And the person in charge of anti-money laundering must have local experience。Early application period，The client has not yet leased actual office space in Hong Kong。
3、Lack of RO licensees
Lack of local compliance operation experience in Hong Kong，and difficulties in finding licensed responsible persons (ROs) that meet regulatory requirements。
4、Anti-money laundering system needs to be fully aligned with Hong Kong standards
Customer business involves dual scenarios of domestic trade and foreign trade，Need to submit theAnti-Money Laundering and Counter-Terrorist Financing OrdinanceComplete Compliance Manual。The risk control logic of mainland enterprises needs to be fully transformed into international standards recognized by Hong Kong Customs，This is the core difficulty in document preparation。
three、Hong Kong Xintong provides，Full process assistance application service
ZaiwaCustomer Mr. Zhou (pseudonym)After telephone communication，Customers are still worried，We made an appointment to meet in Hong Kong。I showed him what we rented for previous customers.Hong Kong MSO licensed office premises，While ensuring customer privacy，Answer how we helped previous customers solve their difficulties。Customers finally build trust with us。
At the end of August 2025，We signed an application consultant contract：
The following is how we solve application difficulties for customers，work done：
1、Compliance system upgrade： According to the latest anti-money laundering (AML) guidelines，Prepared detailed compliance operations manual for clients。
2、RO (licensed responsible person) efficient deployment： Quickly assist customers in matching local responsible ROs in Hong Kong who are professionally qualified and meet regulatory requirements，Laying a solid foundation for licensing。
At that time, the client chose a salary and qualifications from several responsible ROs recommended by Hong Kong Xintong.，RO that meets the requirements：
- 5More than 2 years of experience in anti-money laundering compliance positions in Hong Kong banks or licensed money change shops；
- Be familiar with Hong Kong Customs’ regulatory requirements and inspection procedures for MSO licensees；
- Good performance record in the past，No regulatory penalties or bad records；
- Have bilingual communication skills in Chinese and English，Able to smoothly connect customers’ mainland teams and Hong Kong Customs；
- This RO used to work in Shenzhen，speak mandarin，Be familiar with mainland corporate culture，Facilitate communication with customers。
3. Implementation of localized operations
Assist clients in selecting and leasing commercial office space in Hong Kong that meets customs on-site inspection standards，And guide mainland directors to complete the apostille certification of no criminal record certificate，Ensure personal credit is flawless。
4. Accurately respond to customs inquiries
After submitting the application，Hong Kong Customs penetration around ultimate beneficiary of funds (UBO)、Separation mechanism between mainland business and Hong Kong business、Multiple rounds of inquiries were conducted on data retention security, etc.。With our in-depth understanding of the Anti-Money Laundering Ordinance, we，Assist the client to organize logically rigorous supplementary materials within 3 working days，Clearly demonstrate the transparency of capital flows and the effectiveness of risk control measures。
5、Interview with Hong Kong Customs： For recent years，"Penetrating" questions that often appear in Hong Kong Customs interviews，We provide early in-depth counseling to our customers。
The interview process was not smooth sailing。Because the customs’ ‘penetrating’ questions on cross-border capital links are extremely tricky，Client was slightly nervous during first round interview。
We will immediately conduct a review based on the first round of feedback，Conducted a comprehensive 'stress test' simulation on business authenticity support materials。
During the second interview，Customers respond fluently，Finally successfully approved。
Four、Final result-Hong Kong Customs MSO license officially approved
After about 8 months of preparation and review (signed in August 2025，2026Approved at the end of March)，The client's Hong Kong Customs MSO license was officially approved!
After getting the license，The company not only got rid of the high third-party payment fees，It also opened a compliant settlement account in Hong Kong，capital turnover speed，It is expected to be improved 30% That's all。
This customer has obtained the qualification to legally operate currency exchange and cross-border remittance in Hong Kong，Establish an anti-money laundering protection system that complies with international standards，Successfully move away from reliance on third-party payments，Entering a new stage of independent compliance operations。
five、Case experience summary，Why choose Hong Kong Xintong?
Hong Kong Xintong-deeply engaged in the field of cross-border financial compliance，The core team has Hong Kong Customs、Anti-money laundering background of the Hong Kong Monetary Authority and international banks，Be familiar with the review logic and focus of regulatory agencies。We have established a network covering Hong Kong、Compliance talent network in Singapore and beyond，Ability to quickly match customers with RO candidates who meet their requirements。We not only provide clerical services，Starting from the essence of business，Help customers build truly "usable"、It works、A compliance system that can withstand inspections。
If you are considering developing an overseas payment license，For exampleHong Kong MSO License，Canadian MSB license，US MSB license，Or want to know how to configure a licensed responsible person that meets regulatory requirements，Welcome to contact the Hong Kong Xintong compliance service team at any time。
