The US regulates crypto payment activity at both federal and state level.
Federal MSB registration with FinCEN is commonly required for money transmission activity, while many states impose separate money transmitter licensing.
FinCEN — Financial Crimes Enforcement Network
Administers Money Services Business (MSB) registration under the Bank Secrecy Act.
NYDFS — New York State Department of Financial Services
Issues the New York BitLicense and limited-purpose trust charters.
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| Provider | Jurisdiction | Status | Authority | Licence / Reg. no. | Last checked |
|---|---|---|---|---|---|
| BitPay | United States | Verification Pending | FinCEN | Not yet verified | Not yet verified |
| Coinbase Commerce | United States | Verification Pending | FinCEN | Not yet verified | Not yet verified |
| BTCPay Server | United States | License Requirement Depends on Service Model | Not yet verified | Not yet verified | Not yet verified |