Y CombinatorCRYPTO
Licensing for crypto.
Exchanges, custodians, on-ramps and off-ramps. In the US, crypto licensing mostly means state money transmission plus the specialty regimes layered on top. Payna runs it as one program.
Book a demoPAYNA FOR CRYPTO
How crypto teams use Payna.
Apply. Get licensed.
MTL programs across the states that require them, the New York BitLicense, and virtual currency regimes where they exist. Apply sequences applications, surety bonds, and net worth requirements as one program instead of fifty separate projects.
Explore Apply →Seats. License individuals.
Crypto teams rarely need individual licensing today. When the product expands into lending or insurance rails, Seats is already on the same system.
Explore Seats →Maintain. Stay licensed.
Crypto rules move faster than most. Maintain monitors statute and guidance changes in every state, plans renewals backward from their deadlines, and keeps the program exam-ready between cycles.
Explore Maintain →API. Build on license data.
Banking and payment partners ask for proof of licensure constantly. Answer with an API response instead of a PDF: current status, every state, machine-readable.
Explore API →THE MOMENT
Two layers of regime, both moving.
- [1]
The base layer
In the US, crypto licensing mostly means state money transmission: bonds, net worth rules, and exams, state by state.
- [2]
The specialty layer
New York adds the BitLicense. Other states bolt virtual currency provisions onto their transmitter statutes. The stack is different everywhere.
- [3]
Rules in motion
Guidance moves faster than statute. Payna tracks both layers in every state, so the program reflects what regulators expect now.
Bring the state list.
Licensed in ten states or starting from zero, we will show the full map and how Payna sequences it.
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See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.