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Money movement
Cross-border and correspondent banking for complex businesses
Last updated October 11, 2026
We place US businesses that pay or collect overseas, and foreign fintechs and MSBs that need US accounts and correspondent access. US banks must run due diligence on accounts for foreign financial institutions, so your licenses, corridors and controls decide the answer. We build the file they read. Approval is never guaranteed.
We place payment processing, business banking and crypto rails for high-growth, complex businesses with institutions that take the industry, then watch the chargeback ratios, reserves and reviews that get accounts closed, with more than one rail so one bank's no doesn't stop the business. Approval is never guaranteed.
Who it's for
- Foreign fintechs that need a US account or correspondent access
- MSBs and money transmitters moving across borders
- US companies paying suppliers, affiliates, or partners overseas
- Crypto companies that need fiat in more than one country
What the bank needs
- Licenses you hold, and the countries you serve
- A map of corridors, customers, and counterparties
- Ownership and control
- How you screen customers and payments
- Account closures, disclosed
What is a correspondent account under US law?
An account a US bank holds for a foreign financial institution to receive deposits and make payments. Foreign financial institution includes foreign banks and certain foreign money transmitters and currency dealers (31 CFR 1010.605).
What will the US bank review?
A risk-based due diligence program is required (31 CFR 1010.610). It weighs your business and markets, the account's purpose and expected activity, your anti-money laundering program and record, and your home jurisdiction. Enhanced due diligence applies in some cases, including offshore-licensed banks. Background: correspondent banking explained.
Does a foreign MSB need to register with FinCEN?
Often, yes. Foreign-located businesses that do MSB activity in the US must register and name a US agent (31 CFR 1022.380). Banks will ask.
How do we help?
We're not a bank, processor, or money transmitter. We structure the deal, build the file, and place it with institutions in our network: decades of relationships with 40+ financial institutions and solution providers. The bank decides, and approval is never guaranteed.
Related
Questions
Can a foreign fintech get a US account through you?
We introduce foreign fintechs and MSBs to banks that will review US account and correspondent requests. We build the file. The bank decides, and approval is never guaranteed.