Ready-Made Montana MSB Company — FinCEN Registered
Last Update: 05.06.2026
A ready-made Montana LLC with active FinCEN MSB registration — maintained by Gofaizen & Sherle and available for ownership transfer in 2–4 weeks at a fixed price of USD 11,900. Montana is one of only two US states — alongside South Carolina — that does not require a state-level Money Transmitter License (as of May 2026; subject to change). Designed for international fintech and crypto businesses that serve clients outside the United States — without the complexity and cost of a 50-state MTL stack.
Our own company — complete FinCEN filing history, no unknown corporate history, built for international operations: cross-border payments, crypto-to-fiat, OTC — not for US domestic retail, FinCEN Form 107 re-registration and banking onboarding — both included.
What Is a Montana MSB?
A Montana Money Services Business (MSB) is a Montana LLC registered with FinCEN under the Bank Secrecy Act (BSA). FinCEN MSB registration is not a license — it is a mandatory federal compliance filing covering money transmission, foreign exchange, and virtual currency exchange. Under FIN-2013-G001, businesses that exchange or transmit convertible virtual currency qualify as money transmitters and must register as MSBs via Form 107 (BSA E-Filing, no government fee).
Montana is the only US state that does not require a state-level Money Transmitter License. The Montana Division of Banking: «MSBs do not have to be licensed with the Division.» Montana is the most accessible US jurisdiction for international fintech and crypto businesses serving clients outside the US. Every ready-made company was incorporated and maintained by Gofaizen & Sherle — no third-party seller, no unknown history.
Who Needs a Ready-Made Montana MSB
This structure is designed for operators whose client base and revenue flows are primarily outside the United States — and who need a US-credentialled legal entity for banking access, investor optics, and compliance credibility. Six scenarios where it makes commercial sense:
- International payments and fintech founders who need a US legal entity for correspondent banking and merchant settlement — serving clients in Europe, Asia, MENA, or LatAm — without obtaining Money Transmitter Licenses in individual US states.
- Crypto exchanges and OTC desks with a non-US client base who need a US-registered compliance structure for banking onboarding, institutional counterparty relationships, and FATF-jurisdiction credibility.
- Founders closing an investment round whose investors require a US entity already on the FinCEN MSB register before the funding round closes — with verifiable filing history, not a fresh incorporation.
- Financial groups adding a US crypto or payments vehicle as a subsidiary or LLC alongside an existing EU or Asian licensed entity — for US banking access without building a full domestic MTL stack.
- Cross-border remittance and FX operators whose transaction flows run between jurisdictions outside the US — using the Montana entity as the US compliance anchor for correspondent banking relationships.
- Founders building toward MiCA CASP or EU EMI who need a Phase 1 vehicle with a BSA-aligned AML/KYC framework and US regulatory standing to strengthen the subsequent EU authorisation application.
Who This Is NOT Suitable For
- Businesses primarily serving US retail clients. FinCEN registration covers federal AML obligations only — it does not authorise retail money transmission to consumers in US states that require their own Money Transmitter Licenses. If your business model involves accepting or disbursing funds to US retail customers across multiple states, a Montana MSB alone is not sufficient. State MTL applications would be required separately.
- Beneficial ownership concealment. FinCEN Form 107 requires full disclosure of owners and controlling persons. No anonymous or nominee-UBO structures. Full UBO disclosure is required at all stages of transfer and re-registration.
- Reduced or no KYC on clients. A written, risk-based AML program is mandatory under 31 CFR §1022.210. Suspicious Activity Reports (SAR) must be filed for transactions of $2,000 or more where suspicious activity is identified. There is no reduced-KYC operating path.
- Operators expecting immediate full operational status. Corporate transfer completes in 2–3 weeks. FinCEN re-registration takes up to 180 days (filing is immediate; processing is typically 2 weeks). Banking onboarding typically takes 6–12 weeks after document submission, running in parallel with the corporate transfer. None of these stages are bypassed in the ready-made path.
- Budget below USD 10,000. Effective BSA compliance — AML program, compliance officer, SAR/CTR infrastructure, ongoing recordkeeping — requires substantive investment.
If none of the above applies to your project, continue below.
Montana MSB for International Operations — How It Works
The Montana MSB is structured for operators whose business runs across borders, not inside the US domestic retail market. Here is what that means in practice:
What FinCEN MSB Registration Covers
- Establishes the entity as a federally registered US financial institution for AML/CTF purposes
- Provides legal recognition for correspondent banking relationships — US and international banks treat a FinCEN-registered MSB as a regulated counterparty
- Enables FATF-compliant operations: your AML program, KYC procedures, SAR/CTR reporting are aligned with the same standards that EU banks and investors expect
- Covers all cross-border transfers, crypto-to-fiat exchange, and virtual currency transmission at the federal level
What It Does Not Cover
- Serving US retail clients in states that require state-level MTLs — this requires separate state applications
- EU passporting — MiCA CASP authorisation requires a separate EU application
- Banking account approval — the bank makes an independent KYC decision
The Ideal Business Model
Montana MSB works best when your clients, transaction flows, and revenue are primarily outside the US — and what you need is a US legal entity with federal compliance standing for banking access, investor due diligence, and institutional counterparty relationships. Your operational hub can be anywhere; the Montana LLC is your US-credentialled compliance vehicle.
Montana vs Other US Jurisdictions
| Parameter | Montana | Wyoming | Delaware | New York |
|---|---|---|---|---|
| State-level MTL | Not required | Required | Required | Required + BitLicense |
| Federal FinCEN registration | Required | Required | Required | Required |
| State corporate income tax | 6.75% on MT-sourced income only | 0% | 8.7% | 6.5% |
| State sales tax | None | None | None | 4%+ |
| Best suited for | International ops, cross-border flows, non-US clients | US-focused, DAO/DeFi structures, zero state tax | General US corporate structure | NY-facing regulated activity |
| Tax rates indicative. Montana’s no-MTL position current as of May 2026 — may change. Verify all requirements with legal counsel for your specific business model and target markets. | ||||
Montana vs Wyoming for international operators: If your revenue flows come primarily from outside the US, Montana’s corporate tax applies only to Montana-sourced income — foreign-sourced income is generally not subject to Montana state tax (subject to professional tax advice). Wyoming has no state corporate tax at all, but is better optimised for US-focused operations and DAO/Web3 structures. For purely international-facing crypto and fintech, Montana is the more common choice.
Ready-Made vs New Registration: What Is the Difference?
| Parameter | Ready-made Montana MSB — USD 11,900 | Advanced — New Registration (USD 9,900) | Basic — New Registration (USD 4,900) |
|---|---|---|---|
| Corporate transfer vs formation | Transfer of existing LLC | New turnkey company formation | New turnkey company formation |
| Timeline to transfer / register | 2–3 weeks (corporate transfer) | 8–12 weeks (LLC + FinCEN + AML sequential) | 8–12 weeks (LLC + FinCEN + AML sequential) |
| Entity history | Verifiable FinCEN filing record — reviewable before purchase | No prior history | No prior history |
| EIN | Already assigned — included | New EIN — included | New EIN — included |
| AML/KYC policy | Developed — updated to new business model | Developed — built for your model | Basic AML/KYC policy |
| Apostilled corporate documents | Included | Included | Standard set only |
| Bank account opening assistance | Included | Included | Not included |
| Best for | Entity history, investor diligence, fast credentialling | Custom business model, full compliance build | Entry-level, simple structure |
| * Timelines indicative. Banking: 4–6 weeks after corporate transfer for all packages. All prices in USD. | |||
How FinCEN Handles Change of Ownership
The 180-Day Re-Registration Window
When ownership of a Montana MSB changes, this constitutes a triggering event under FinCEN re-registration rules. Per fincen.gov: the new owner must file a new FinCEN Form 107 within 180 days of the ownership change. The existing registration remains valid throughout this period. Once filed electronically, FinCEN processes the form in approximately two weeks and issues a new MSB registration number to the new owner.
FinCEN Form 107 re-registration support is included in the ready-made package — we handle the filing and coordinate compliance officer designation as part of the standard transfer.
What Stays and What Changes
- The Montana LLC entity, EIN, and filing history remain — no reincorporation
- A new Form 107 is filed in the new owner’s name within 180 days
- The AML/KYC program is updated to the new owner’s business model
- Compliance officer is updated and designated as part of the transfer
Every entity we offer was incorporated by our team and has been under our management since day one. When you acquire a Gofaizen & Sherle ready-made company, you are not buying from an unknown third party — you are buying directly from us. We know the complete history of every company in our inventory: every FinCEN filing, every AML step, every document. That is what makes the transfer clean and predictable.
Senior Partner, Head of Consulting
Full Transparency: These Are Our Companies
Every competitor in this niche — Legasset, Clearsky Network, LicensedCompanies24, Coincub — is a broker listing someone else’s company. They know what the seller told them. We know everything because we built it. Before you sign, you receive:
- Current FinCEN MSB registration confirmation — active status, registered activities, registration date, renewal date (searchable at msb.fincen.gov)
- Complete FinCEN Form 107 filing history — initial registration and all renewals
- Montana Secretary of State extract — active LLC status, registered agent, annual reports filed
- IRS EIN assignment confirmation and nil-tax-liability declaration
- AML/KYC program documentation — ready to update for the new owner’s business model
All documentation provided before the transfer agreement is signed.
What Is Included in the Ready-Made Package — USD 11,900
- Transfer of the company
LLC membership transfer, Montana Secretary of State update, corporate resolutions reflecting new ownership.
- EIN (Employer Identification Number)
Already assigned by the IRS — transferred with the entity. No new EIN application required.
- Address of registration for 1 year
Registered address in Montana included for the first year.
- Registered agent for 1 year
Montana registered agent service included for the first year.
- Developed AML/KYC policy
Written, risk-based AML program updated to the new owner’s business model — compliant with 31 CFR §1022.210. Includes risk assessment, CDD procedures, SAR/CTR protocols, FATF Travel Rule procedures ($3,000+ threshold).
- MSB registration (FinCEN Form 107 re-registration)
New Form 107 filed within the 180-day window. FinCEN processing: ~2 weeks from electronic filing.
- Apostilled corporate documents
Full set of apostilled corporate documents for international use: Certificate of Formation, Operating Agreement, Member Certificates.
- Assistance with bank account opening
Banking outreach runs parallel to the corporate transfer — not after. Analysis of suitable banks and EMIs based on the client’s AML profile and business model. Bank account opening is not guaranteed — subject to the bank’s own KYC/AML assessment.
How Due Diligence Works on a Ready-Made Montana MSB
Due diligence covers ten verification points across two directions — seven seller-side checks on the entity and three buyer-side KYC checks — typically completed within 5–10 business days before signing. Gofaizen & Sherle issues a written legal opinion documenting scope and any residual risks before any transfer is executed.
Seller-Side Checks — What We Verify on the Entity
- FinCEN MSB registration — active status and validity via the BSA E-Filing public registry (msb.fincen.gov), including MSB number, registration date, and next biennial renewal date
- Montana Secretary of State — active corporate status (Good Standing), Articles of Organization, Operating Agreement, registered agent and registered office
- IRS / EIN — EIN validity and responsible-party history, no unresolved tax filings
- AML/KYC program — documentation audit: risk assessment, AML policy, KYC procedures, monitoring thresholds, SAR/CTR procedures, training records
- Banking and counterparty records — existing bank or EMI relationships and any historical compliance issues
- Operational history — no transactional activity confirmed via account statements and BSA E-Filing records
- FinCEN biennial registration cycle — confirmation of timely renewals and absence of any FinCEN inquiries or enforcement actions
Buyer-Side KYC — What We Verify on the Buyer
- UBO verification — identification of beneficial owners (25%+) and key management personnel, with supporting documents under FinCEN beneficial ownership requirements
- Source of funds — documentation supporting the purchase price and planned working capital
- Business model alignment — planned activities, jurisdictions of operation, target client segments, and consistency with the entity’s authorised activities
FinCEN due diligence on a ready-made MSB is fundamentally different from due diligence on a new registration. With a new application we control the documentation from day one. With a transfer, the buyer inherits a registration history, an AML program, and — in some cases — a banking relationship that we must verify from the outside in. Our standard due diligence covers ten verification points; we will not sign without all of them clearing.
Senior Partner, Head of Consulting
How the Purchase Process Works
Step 1: Buyer-Side Due Diligence and Business Model Analysis
Gofaizen & Sherle’s compliance team reviews the buyer’s UBO structure, source of funds, planned transaction types, operating jurisdictions, and target client segments. This step determines whether the buyer profile aligns with FinCEN expectations and confirms the MSB structure fits the business model. Documents required: preferred company name, passport copies of all shareholders and directors, proof of residential address, brief business model description (1–2 pages).
Step 2: Selection and Documentation Handover
We confirm the selected entity’s FinCEN registration status via the BSA E-Filing public registry (msb.fincen.gov), audit corporate documents, AML/KYC documentation, and any historical filings, and produce a written due diligence opinion before signing.
Step 3: Ownership Transfer and FinCEN BSA E-Filing Update
We execute the membership interest transfer agreement, update the Montana Secretary of State records, file the change-of-ownership update with FinCEN via BSA E-Filing within the required 180-day window, and notify the IRS where the change affects responsible-party information for the EIN.
Step 4: AML/KYC Policy Adaptation and Compliance Officer Integration
Gofaizen & Sherle adapts the existing AML/KYC program to the buyer’s actual business model — risk assessment, transaction monitoring thresholds, SAR and CTR procedures, customer onboarding scripts. Compliance Officer either onboarded from the buyer’s side or sourced through our network. Adaptation typically completes in 3–7 business days.
Step 5: Banking and Payment Infrastructure Onboarding
Gofaizen & Sherle coordinates introductions to MSB-friendly US banks and Electronic Money Institution (EMI) providers for US dollar wire and Automated Clearing House (ACH) capability. Bank account onboarding typically takes 6–12 weeks and runs in parallel with Steps 3–4. IBAN access is not part of US banking standards — for businesses that require IBAN and SEPA capability, EU-licensed EMI access is arranged separately through our EU partners. Bank account opening is not guaranteed — subject to the bank’s own KYC/AML assessment.
Step 6: Operational Launch and Post-Acquisition Support
After launch Gofaizen & Sherle provides ongoing AML/KYC program reviews, FinCEN biennial registration renewal management (every two years by December 31), and structuring advice for expansion. Clients who scale into US domestic retail markets receive a roadmap for additional state licenses where triggered — including New York BitLicense, California Digital Financial Assets Law (DFAL, effective July 1, 2026) after AB 1934 extended the original deadline, and Texas variable-bonding requirements. Roadmap for adding a Canadian MSB (FINTRAC), EU MiCA CASP, or EMI authorisation is included for clients expanding beyond the US.
Timeline: How Long Does It Take?
| Stage | Duration | What happens |
|---|---|---|
| Stage 1 — Documents and Selection | 1 week | Client documents collected. Full entity pack reviewed and confirmed. |
| Stage 2 — Corporate Transfer and FinCEN | 2 weeks | LLC transferred. AML updated. FinCEN Form 107 filed. Documents apostilled. |
| Stage 3 — Banking Onboarding | 6–12 weeks | Bank/EMI matched. KYC documents submitted. Account opened. |
| Total | 8–16 weeks total | Corporate transfer 2–4 weeks + banking 6–12 weeks in parallel |
| Banking: 6–12 weeks, running in parallel with corporate transfer. FinCEN Form 107 re-registration: filed within 180-day window, processed ~2 weeks from electronic filing. All timelines indicative. | ||
Pricing
New registration from scratch: from USD 4,900 (BASIC) to USD 9,900 (ADVANCED). Ask about packages.
Ready-made Montana MSB company
- MSB registration obtained
- Full turnkey company transfer assistance
- EIN (Employer Identification Number) acquisition
- Choice of company name
- Developed individual AML/KYC Policy
- Set of Corporate Documents
- Corporate Bank Account Opening for your business purposes
- Search and integration of a Compliance Officer
- Company address for 1 year
FinCEN Registration and BSA Obligations
FinCEN MSB Registration Is Not a License
FinCEN MSB registration is a federal compliance filing under the Bank Secrecy Act. It does not constitute an operating license, does not replace state-level Money Transmitter Licenses where they apply, and does not grant consumer protection approvals. What it does provide: federal AML/CTF recognition, a public FinCEN register listing (searchable at msb.fincen.gov), and the right to operate as a money transmitter or virtual currency exchanger at the federal level.
Federal Requirements the New Owner Inherits
- AML program (31 CFR §1022.210): written, risk-based program with risk assessment, CDD procedures, compliance officer, employee training, independent audit — updated to new owner’s business model before handover
- SAR: Suspicious Activity Reports for transactions of $2,000 or more where suspicious activity is identified
- CTR: Currency Transaction Reports for cash transactions of $10,000 or more
- Recordkeeping: detailed records for transactions including those over $3,000 in accordance with BSA requirements; 5-year retention at a US location
- FATF Travel Rule: applies to transfers of $3,000 or more (31 CFR §1010.410)
- Renewal: every 2 years by December 31 via FinCEN Form 107
Note: On April 1, 2026, FinCEN dropped 4,182 entities from the MSB register for failure to renew. Renewal compliance is enforced. [FinCEN MSB Registrant Search]
State MTL: When Is It Needed?
FinCEN registration alone is sufficient for operators whose clients and transaction flows are primarily outside the US. If your business model expands to serving US retail clients — accepting or disbursing funds to consumers in specific states — those states may require their own Money Transmitter Licenses. This assessment is made per business model and should be confirmed with US legal counsel. Montana’s no-MTL position is current as of May 2026 and may change.
Montana Tax: What to Know
- State corporate income tax: 6.75% on Montana-sourced income only. For operators whose revenue flows from outside the US, Montana state tax generally does not apply to foreign-sourced income — subject to professional tax advice
- No state sales tax: Montana has no general sales or use tax
- No FinCEN registration fee: BSA E-Filing is free
- Federal tax: Standard US federal rates apply (21% for C-Corps; pass-through for LLCs by default)
Verify with a qualified US tax advisor for your specific structure and income flows.
Phase 1: Montana MSB on the Road to MiCA CASP or EMI
For founders whose investors need a US-registered entity before a round closes, or whose EU CASP or EMI application is 12–18 months away — a Montana MSB serves as an operational Phase 1 vehicle.
What Phase 1 provides:
- US-credentialled legal entity for merchant and banking onboarding while the EU license is pending
- BSA-aligned AML/KYC framework — directly transferable to the subsequent EU CASP application
- Operating track record under a FATF-jurisdiction compliance regime
- FinCEN public register listing — verifiable by investors and counterparties at msb.fincen.gov
What Phase 1 does not provide:
- MiCA passporting — requires CASP authorisation from an EU national competent authority
- Access to EU retail markets without a CASP
- State MTL coverage for US retail customers
Acquiring as a Subsidiary or LLC Within a Financial Group
A ready-made Montana MSB can be acquired as a US subsidiary or LLC within an existing financial group — EMI, investment manager, or banking group — to provide a US AML footprint for correspondent banking and cross-border operations. FinCEN Form 107 re-registration reflects the parent entity as beneficial owner. Parent-regulator notification requirements depend on the home jurisdiction. We prepare parent-side documentation and a written legal opinion for the board and group compliance where required.
Group structure integration scope varies by parent jurisdiction. Contact Mark Gofaizen to discuss the specific group structure.
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Banking and Payment Infrastructure
Bank Account Opening
Banking outreach runs in parallel with the corporate transfer — not after. We analyse the most suitable banks and EMIs matched against the client’s AML risk profile and business model, collect the required banking KYC documents, and guide the client through the full onboarding process.
Bank account opening is not guaranteed. The bank makes an independent KYC/AML assessment of the new beneficial owner. Banking timeline: 6–12 weeks from document submission, running in parallel with the corporate transfer. Subject to the bank’s own eligibility criteria.
EMI and IBAN Access
IBAN is not part of US banking standards. If your business model requires IBAN and SEPA capability — for EU counterparty payments or EU client settlement — this is arranged separately through EU-licensed EMI partners in Lithuania, Estonia, or Poland. A Montana MSB provides the US dollar wire and ACH infrastructure; the EU EMI provides the IBAN/SEPA layer. Where the primary US bank declines onboarding, US-based FBO account providers are an additional alternative for payment processing.
What We Eliminate — and What Remains
The typical risks in any ready-made company acquisition — unknown FinCEN filing history, hidden liabilities, outdated AML program, undisclosed IRS obligations — do not apply here. These are our own companies. We incorporated them, filed every Form 107, and maintained the AML program. We know everything about them because we built them.
Two external factors remain outside our control and are disclosed upfront:
Banking Onboarding
The bank makes an independent KYC/AML decision. A clean FinCEN filing history removes the most common grounds for refusal but does not guarantee approval. Parallel EMI and PSP outreach from day one.
Business Model Expansion into US Domestic Retail
If the buyer’s model expands to serving US retail clients in states with MTL requirements, those state licenses will need to be obtained separately. Montana’s no-MTL position may change. We advise on this during Stage 1 and assist with state MTL applications as a separate engagement where needed.
Why Gofaizen & Sherle
Gofaizen & Sherle is an international consulting and legal firm supporting startups and established companies in crypto, FinTech, payments (EMI/PSP), forex, investments, iGaming, and tokenization. Every ready-made company we sell is our own entity — incorporated by our team, maintained by our compliance specialists, and transferred with complete documentation and no intermediary. License for operating activity: FIU000407.
Our Team
Mark Gofaizen — Senior Partner, Head of Consulting
Phone: +1 647 498 6901
Email: mark@gofaizen-sherle.com
LinkedIn
Maksim Gasanbekov — Partner, Head of Sales (Crypto and Blockchain)
Phone: +1 647 498 6901
Email: maksim@gofaizen-sherle.com
LinkedIn
Our Offices
- Lithuania (Vilnius) — Lvivo g. 25-702 | +370 661 083 08
- Estonia (Tallinn) — Lõõtsa tn 2a, 11415 | +372 602 84 23
- Czech Republic (Prague) — Kaprova 42/14, Staré Město, Praha 1 | +420 255 712 600
- Poland (Warsaw) — Hoża 86, 00-862 Warszawa | +48 222 304 095
- El Salvador (San Salvador) — World Trade Center, SNBX-Legalítika, Col. Escalón | +503 2113 9488
- Canada (Toronto) — 130 King St W #1800, ON M5X 1E3 | +420 255 712 600
- Hong Kong — 8th Floor, China Hong Kong Tower, 8-12 Hennessy Rd, Wan Chai | +65 3159 3338
Email: info@gofaizen-sherle.com
Frequently Asked Questions
What is a Montana Money Services Business (MSB)?
A Montana MSB is a Montana LLC registered with FinCEN under the Bank Secrecy Act as a Money Services Business. FinCEN MSB registration is a federal compliance filing — not a license. It authorises the entity to operate as a money transmitter, dealer in foreign exchange, and virtual currency exchanger. Under FinCEN guidance FIN-2013-G001 (fincen.gov, 2013), businesses that exchange or transmit convertible virtual currency qualify as money transmitters required to register as MSBs. There is no government registration fee; filing is done via BSA E-Filing System using Form 107.
Does Montana require a state Money Transmitter License for crypto businesses?
No — as of May 2026. Montana and South Carolina are the only two US states that do not require a state-level Money Transmitter License (as of May 2026 — confirm with legal counsel, as this may change). The Montana Division of Banking confirms: «MSBs do not have to be licensed with the Division» (banking.mt.gov). This position may change — confirm with legal counsel. Note that FinCEN federal registration remains mandatory regardless of Montana’s state position.
How does FinCEN handle change of ownership — does the new owner need a new registration?
Yes — a change of ownership is a triggering event. The new owner must file a new FinCEN Form 107 within 180 days of the change (fincen.gov). The existing registration remains valid during this period. FinCEN processes Form 107 electronically in approximately two weeks. The new owner receives a new MSB registration number. Gofaizen & Sherle handles the full Form 107 re-registration as part of the standard transfer package.
Who is this NOT suitable for?
Not suitable for businesses that primarily serve US retail clients in multiple states (state MTLs required separately), projects requiring beneficial owner anonymity, or operators expecting no-KYC client onboarding. Full UBO disclosure is mandatory on FinCEN Form 107. SAR filing is required for suspicious transactions of $2,000 or more. CTR required for cash transactions of $10,000 or more. This structure is designed for international-facing operations, not US domestic retail money transmission.
How long does the transfer of a Montana MSB take?
Typically 3 weeks total for corporate transfer and FinCEN filing: Stage 1 (document collection and handover, 1 week), Stage 2 (registration and transfer process, 2 weeks). Banking onboarding runs in parallel and typically takes 6–12 weeks. Timelines are indicative and may vary.
Can a Montana MSB be used as Phase 1 for MiCA CASP or EMI?
Yes, with qualification. A Montana MSB can serve as a Phase 1 operational vehicle while a separate EU MiCA CASP or EMI authorisation is pursued. It provides a US-credentialled entity with BSA-aligned AML/KYC and a FinCEN public register listing verifiable by investors. The Montana MSB does not convert into a MiCA-passportable license — EU passporting requires CASP authorisation from an EU national competent authority.
Do I need state Money Transmitter Licenses in other US states?
It depends on your business model. FinCEN registration covers federal AML obligations only. For operators serving clients outside the US — cross-border payments, crypto exchange, international remittance — Montana FinCEN registration is typically sufficient. If your model involves serving retail US clients in states with MTL requirements, those state licenses are required separately. Confirm with US legal counsel for your specific operations.
Does the ready-made company come with a bank account?
Corporate bank account opening assistance is included — Gofaizen & Sherle coordinates introductions to MSB-friendly US banks and EMI providers. Onboarding typically takes 6–12 weeks and runs in parallel with the corporate transfer. Bank account opening is not guaranteed: the bank makes an independent KYC/AML assessment of the new beneficial owner. Note: IBAN is not part of US banking standards — if your model requires IBAN/SEPA, EU EMI access is arranged separately.
Is the company suitable for investor due diligence?
Typically yes. The entity has a verifiable FinCEN MSB registration (searchable at msb.fincen.gov), Montana Secretary of State corporate history, IRS EIN, and complete AML filing record — all reviewable before the transaction closes. A new incorporation has no prior history. Whether vintage strengthens a specific investor’s diligence depends on their requirements — assessed during the scoping call.
What BSA/AML obligations does the new owner inherit?
Full BSA obligations: a written, risk-based AML program (31 CFR §1022.210); SAR filing for suspicious transactions of $2,000 or more; CTR for cash transactions of $10,000 or more; FATF Travel Rule for transfers of $3,000 or more (31 CFR §1010.410); recordkeeping for transactions over $3,000, retained 5 years at a US location; FinCEN registration renewal every 2 years by December 31. A compliance officer must be designated. The AML program included in the transfer is updated to the new owner’s business model before handover.
Clients usually come for one of two reasons: they need a US legal entity within weeks — not months — before a merchant contract or investor commitment expires, or they need a BSA-compliant structure for international payments without the cost and complexity of 50-state MTL licensing. Our Montana MSB package covers the full transfer at a fixed price — FinCEN re-registration included, no open-ended billing.
Partner, Head of Sales (Crypto and Blockchain)
Get in Touch
We review your business model, present available Montana MSB listings with verified parameters, and outline the transfer timeline — at no cost and with no commitment to proceed. We review your requirements and business model. We present currently available Montana MSB companies with due diligence parameters. We outline the transfer timeline and pricing for shortlisted options. Initial consultation is free of charge and confidential. No commitment required.
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