About MSB Status
The compliance intelligence platform for US, Canadian, UK, and EU fintech and crypto licensing.
Important Disclaimer
All information on MSB Status is machine-generated from public sources including company Terms of Use, cardholder agreements, and regulatory registries. The data may be outdated, incomplete, or inaccurate.
MSB Status is not legal advice. Always verify license information directly with the relevant regulatory authorities before making compliance decisions.
Published by Adam Atlas Attorneys at Law. Use of this platform does not create an attorney-client relationship.
What is MSB Status?
MSB Status is a research tool for compliance professionals, legal counsel, and startup founders navigating the complex landscape of US, Canadian, UK, and EU payment and cryptocurrency licensing.
The platform focuses on identifying BaaS (Banking-as-a-Service) and integrated payment relationships — cases where a fintech or crypto company relies on another entity's regulatory licenses to operate. For example, a crypto wallet might use Paxos as a custodian under a trust charter, while Paxos in turn uses a separate bank for fiat settlement.
The focus is on wallets and money transmitters. Payment processors and ISOs for card acquiring are generally out of scope.
Companies
Licenses
Relationships
Data Discovery
How we compare
Data Sources
Company Terms of Use & Legal Disclosures
Most fintechs disclose their bank partners and custodians in their Terms of Service, Cardholder Agreements, or Privacy Policies. These are the primary source for identifying BaaS relationships.
CFPB Cardholder Agreement Database
The Consumer Financial Protection Bureau maintains a database of credit card and prepaid card cardholder agreements submitted by issuers, which often identify the issuing bank and program manager.
Visa Third Party Registrant List
Visa publishes a list of registered third-party agents and payment facilitators, which identifies which entities are sponsored by which acquiring or issuing banks.
FinCEN & FINTRAC Public Registries
The Financial Crimes Enforcement Network (US) and FINTRAC (Canada) maintain public lists of registered Money Services Businesses.
FCA Financial Services Register (UK)
The Financial Conduct Authority publishes a register of all firms authorised or registered in the United Kingdom, including Payment Institutions, Electronic Money Institutions, and other regulated entities.
EBA EUCLID Register (EU)
The European Banking Authority's EUCLID database lists Payment Institutions and Electronic Money Institutions authorised across EU member states, as reported by national competent authorities.
Published By
Adam Atlas Attorneys at Law
2301 Melrose Ave, Montreal, QC, Canada H4A 2R7
MSB Status is published as a professional resource. It does not constitute legal advice, and use of this platform does not establish an attorney-client relationship. For legal guidance on payment regulation and licensing, consult qualified legal counsel.
All data is machine-generated from public sources. MSB Status makes no representations as to the accuracy, completeness, or currency of the information. Verify directly with regulatory authorities. Not legal advice.