Case background
time：2026 Year 1 moon
consultant：Minatoshintsu · Aaron
project：US MSB License Application
The customer is aAsset management company from mainland China，Established many years ago，Early business focused on domestic investment management。recent years，With the internationalization of customer structure、Increased cross-border demand for funds，The company begins a systematic layoutOverseas payment and capital channels，Hope to provide more flexible international payment solutions for high net worth customers。
This time our job is：US company registration + US MSB license
Customer pain points
In the process of actual advancement，The customer quickly encountered several key issues：
-
Unable to connect with overseas payment institutions
Many U.S. and third-party payment platforms directly require it during the due diligence stage. MSB license，Otherwise we cannot cooperate。 -
Bank accounts are frequently required to supplement compliance materials
Existing overseas account is in use，Being asked repeatedly about the nature of the business、Fund flow，Compliance pressure is increasing。 -
Worry about going astray on the compliance path
Customers do not want to “operate on the sidelines”，Rather, I hope to build a set from the beginninglong term sustainable、Auditable compliance structure。
solution
After fully understanding the customer's business model，Hong Kong Xintong customized itUS MSB Compliance Program：
-
Clarify business scope：
Split the client’s core business into International funds receipt and payment + Client Money Management Services，Avoid out-of-scope declarations。 -
Structural optimization：
Assist customers withU.S. corporate entityAs an MSB licensed entity，Establish clear business boundaries with domestic asset management companies。 -
Compliance document preparation：
Include business description、Compliance statement、Anti-Money Laundering Policy (AML)、Customer identification process (KYC), etc.，The whole process is sorted out according to the US regulatory logic。
Project results
2025 December，The US MSB license was successfully approved
After the license becomes effective，The customer successfully completed the following key actions：
-
Successfully connected with US payment service provider
-
Overseas bank accounts operate in compliance and stable manner
-
Lay the foundation for subsequent expansion of payment business in North America and other countries
customer feedback：
“I always felt that overseas payments were a gray area.，After actually getting the MSB license，Only to discover that compliance actually makes business easier。”
Hong Kong Information Communication’s Viewpoint
The U.S. MSB license plate is not a "show-off license plate."，RatherInfrastructure for overseas payment and treasury operations。
For Chinese companies that are going overseas，The sooner you become compliant，The less trouble。
