MSB Resources
Learn before you launch.
Explore practical reading on licensing, digital assets and white-label financial services.
The Crypto State – Montana passes the Financial Freedom and Innovation Act
Montana is rapidly emerging as the premier jurisdiction for blockchain technology and digital asset innovation. With the passage of the groundbreaking Financial Freedom and Innovation Act (SB 265), Montana has positioned itself as the leading Crypto State in the U.S.
November 12, 2025 · Read article
Canada MSBs – Retail Payments Activities Act (RPAA)
Canadian Money Service Businesses (MSBs) with international operations are increasingly choosing Montana as their base due to the new “Retail Payment Activities Act (RPAA)” in Canada. The RPAA introduces stricter regulations for MSBs, including registration with the Bank of Canada.
June 3, 2024 · Read article
How to verify a Montana MSB
The registration status of a Montana MSB company can easily be verified online.
September 5, 2023 · Read article
Montana MSB – Where can I offer services?
We sometimes get asked by clients and leads where they can offer services with a specific financial license. In most cases there is clearly no list of countries where you can offer your services without further licensing and no list of countries where you cannot (except for sanctions lists). Another exception would be for example a EU Electronic Money License or Payment Institution License which could be ‘passported’ to conduct business in all 27 EU member states. In addition to that, they are by no means restricted from taking a non EU customer onboard, but more on that below.
September 5, 2023 · Read article
Montana: The Lone State without MSB License Requirements
Montana stands out as the only U.S. state that doesn’t require an MSB license on the state level. Here’s a look at the implications and reasoning behind Montana’s unique stance.
September 1, 2023 · Read article
Montana MSBs and Cryptocurrencies
Crypto Exchanges in the US are generally regulated as Money Service Businesses. There are some exceptions with more intricate regulations in New York (BitLicense) and Washington. This would likely be the reason why the Crypto Exchange giant KRAKEN offers services in all US states except NY and WA. There are also other potential regulations to consider depending on the nature of the crypto activities in question.
August 5, 2023 · Read article
What is White-Label Banking?
White-label banking is a type of banking service where a financial institution provides its services to other companies, which in turn can offer the same services to their customers under their own brand name. This type of banking has become increasingly popular in recent years due to its ability to offer financial services to customers under a brand name that they trust.
May 2, 2023 · Read article
What is White-Label Debit Card Issuing?
White label debit card issuing has become increasingly popular as more and more businesses seek to offer payment services to their customers.
April 25, 2023 · Read article
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