What MSB USA does

MSB USA Inc. is a Delaware-incorporated, Plano, Texas-headquartered fintech operating as a state-licensed money services business registered with FinCEN (NMLS ID 1550212) and holding money transmitter licenses in 40+ U.S. states. Founded by Dr. Ozan Ozerk, the company provides USD payment rails and business account solutions to business customers, including USD account hosting, custodial banking account services, ACH, FedWire, and SWIFT transfers, alongside domestic and cross-border money transmission. The platform architecture consists of six interconnected product modules: Accept Payments, Send Payments, Marketplace, Pay by Link, Payment Gateway, and Reseller Collections. MSB USA is not a bank and does not clear or settle transactions directly; all payment processing and settlement are facilitated through regulated third-party financial institutions and payment networks.

The company generates revenue primarily through transaction fees on money transmission services and operates a sales-led B2B go-to-market motion, engaging business customers directly through its website and sales team. Its customer base is horizontal — businesses requiring USD payment infrastructure and cross-border payment solutions — with services designed to address barriers to USD payments and coordination gaps across multi-state regulatory regimes. Additional strategic activity includes policy engagement via the UKUS Crypto Alliance (November 2025) on digital asset regulation and a partnership with Swipeclock for biometric timekeeping integration. The company is privately held with no disclosed external institutional investors or funding rounds.

Name

MSB USA

Legal name

MSB USA Inc.

Website

https://msb.us

Company type

Private

Founded year

2017

Operating status

Operating

Short description

MSB USA Inc. is a Delaware-incorporated, Texas-headquartered money services business licensed in 40+ U.S. states, providing USD payment rails, money transmission, and multi-product payment modules (Accept Payments, Send Payments, Marketplace, Pay by Link, Payment Gateway, Reseller Collections) to business customers via regulated third-party financial institutions.

Ownership category

akta.pro rank

Product category

Money Transmission and Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Money transmission services
• USD payment processing
• Business payment solutions
• Cross-border payments
• Money transmitter licensing

Headquarters

HQ city

Plano

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Money Transmission Services: Fees generated from domestic and cross-border money transmission services, payment facilitation through regulated third-party providers, and payment processing and settlement support for approved use cases.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

MSB USA provides USD payment and money transmission services to business customers, including USD account hosting, custodial banking account services, and ACH, FedWire, and SWIFT transfer capabilities for domestic and cross-border payments. The company operates as a state-licensed money services business registered with FinCEN, offering products such as Accept Payments, Send Payments, Marketplace facilitation, Pay by Link, Payment Gateway, and Reseller Collections. All transaction settlement is facilitated through regulated third-party financial institutions and payment networks rather than direct settlement, and MSB USA is not a bank and does not accept deposits.

Product overview

MSB USA Inc. operates as a multi-product fintech platform providing USD payments and business account solutions. The platform architecture consists of a core payments infrastructure supporting six interconnected product modules: Accept Payments and Send Payments (foundational money transmission services), Payment Gateway (transaction routing), Marketplace (marketplace-specific facilitation), Pay by Link (payment link functionality), and Reseller Collections (reseller payment collection). All services are facilitated through regulated third-party financial institutions and payment networks (ACH, FedWire, SWIFT) rather than direct settlement. The company is not a bank and does not accept deposits.

Differentiator

Problem solved

Functional benefit

Products and services

• Accept Payments Payment acceptance solutions that enable businesses to accept payments through supported payment methods. Payment processing and settlement are facilitated through regulated third-party payment processors and financial institutions.
• Send Payments Money transmission services that enable approved clients to send payments domestically or internationally. Payment execution occurs through regulated financial institutions and payment networks.
• Marketplace Payment facilitation services designed to support marketplace business models. Services are provided through regulated third-party financial institutions and payment processors.
• Pay by Link Pay-by-link functionality that enables customers to initiate payments using supported payment methods. Payment processing and settlement are facilitated through regulated third-party providers.
• Payment Gateway Payment gateway that facilitates transaction routing between merchants and supported third-party payment service providers. MSB USA does not clear or settle transactions directly.
• Reseller Collections Payment collection and distribution services for approved reseller and distribution models. Funds movement is facilitated through regulated third-party financial institutions and payment service providers.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• UKUS Crypto AllianceminorGTM or Marketing Partner · 24 November 2025MSB USA founder Dr. Ozan Ozerk participated in policy discussions in Washington as part of the UKUS Crypto Alliance delegation, meeting with U.S. policymakers to discuss digital asset regulation and regulatory harmonization between the U.S. and U.K.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Stripe: Stripe is a global payment processing and acceptance platform serving businesses across online, marketplace, and embedded finance use cases. It is a broad incumbent peer of MSB USA because both serve B2B payment acceptance, marketplace, and pay-by-link flows, but Stripe operates at vastly larger scale and breadth.
• Western Union: Western Union operates one of the largest global money transmission and cross-border payment networks, with extensive U.S. state-by-state licensing. It is a broad incumbent peer of MSB USA because both are licensed money transmitters, though Western Union operates at significantly higher scale and consumer reach.
• PayPal: PayPal is a global digital payments platform offering acceptance, sending, and marketplace payment services to businesses. It is a broad incumbent peer of MSB USA because both compete for B2B payment acceptance, payment gateway, and marketplace use cases, with PayPal operating at much larger scale.
• Payoneer: Payoneer is a global B2B cross-border payments platform for SMBs, marketplaces, and freelancers, offering USD receiving and payout accounts. It is comparable to MSB USA as both facilitate cross-border USD payments and accounts for business customers, though Payoneer operates at far greater scale.

Direct peers

• Synapse (SynapseFi): Synapse provides banking-as-a-service and payment infrastructure APIs to fintechs, enabling money movement and account services through partner banks. It is comparable to MSB USA as both act as regulated payment intermediaries bundling licensed payment access for other businesses.
• Ria Money Transfer (Euronet): Ria is a licensed money transmitter focused on cross-border money movement and remittances. It is a direct peer of MSB USA as both are licensed money services businesses operating money transmission rails across multiple U.S. states and internationally.
• Currencycloud (Visa): Currencycloud provides cross-border B2B payment infrastructure and FX APIs, now part of Visa. It is a direct peer of MSB USA because both enable regulated cross-border money movement and multi-currency payment rails for businesses via licensed partners.
• Dwolla: Dwolla is a U.S.-based payment platform that enables account-to-account (ACH) money movement and payment facilitation for businesses. It is directly comparable to MSB USA because both provide B2B USD payment infrastructure through regulated rails rather than operating as a bank.
• Circle: Circle operates USDC and a cross-border payments network for businesses moving dollars internationally, with a regulatory-first approach. It is comparable to MSB USA as both target compliant USD and cross-border money movement for business customers, with policy engagement as a core differentiator.
• Modern Treasury: Modern Treasury offers payment operations software that helps businesses initiate, track, and reconcile bank-to-bank payments including ACH, wire, and RTP. It shares MSB USA's focus on B2B USD payment infrastructure built on top of regulated bank rails.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MSB USA