Y CombinatorMONEY TRANSMISSION
Money transmitter licensing, end to end.
The MTL is the heaviest license map in US fintech: near-fifty states, each with its own bonds, net worth rules, control person filings, and exam cycle. This is the program Payna was built on.
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The four products, in the order money transmitter buys them.
Charter. Get licensed.
Full multi-state MTL programs: requirement mapping, surety bonds, net worth computations, control person disclosures, and NMLS filings, sequenced so coverage grows on a schedule the team can commit to.
Maintain. Stay licensed.
MTLs are demanding to hold: renewals, quarterly and annual call reports, permissible investment tracking, and state exams. Maintain plans backward from every deadline and keeps a continuous, audit-ready record.
Signal. Build on license data.
Partners, processors, and banks verify licensure during diligence and after. Signal gives them, and internal systems, a live answer.
Roster. License individuals.
Where the business extends into lending or insurance, Roster manages the licensed individuals on the same platform as the entity licenses.
Fifty states is a program, not a project.
We will walk through the MTL map, what each state actually requires, and how Payna keeps the whole program moving.
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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.