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A U.S.-registered and FinCEN-registered Money Services Business is seeking a long-term banking relationship with a U.S.-based FDIC-insured financial institution to support licensed domestic and international money transmission operations. ## Current Licensing Status Approved Money Transmitter Licenses: Nebraska Kansas Iowa Missouri Pending Applications: Colorado Illinois Pennsylvania New Jersey Florida Ohio ## Compliance & Financial Profile The company maintains: Audited 2025 financial statements Tangible net worth exceeding US$625,000 Full AML/BSA policies and procedures KYC and OFAC screening Independent AML compliance review Dedicated compliance officer Transaction monitoring systems ## Explicitly NOT Involved In The company does NOT engage in: Cash handling Check cashing Lending Prepaid card programs Nested activity Correspondent banking Sanctioned or prohibited jurisdictions ## Banking Requirements Seeking support for: Business operating accounts Customer fund receipt accounts ACH capabilities Domestic wires International wire / SWIFT support FBO / safeguarding structures if required ## Transaction Profile Primary transaction activity involves compliant remittance and payment flows between the United States and a Central Asian corridor. Expected launch-phase transaction volume: US$500,000 – US$1,000,000 monthly Expected growth trajectory beyond launch phase ## Ideal Banking Partner Seeking a banking institution experienced with: Licensed MSBs Compliance-focused remittance businesses Cross-border payments International settlement activity Growth-stage money transmission companies ## Additional Notes Serious and vetted operator Full documentation available under NDA Long-term banking relationship preferred Compliance-first operational approach Seeking stability, transparency, and scalability rather than “transactional banking”

Vetted high-volume operator seeking improved MXN ↔ USD settlement infrastructure for an existing, active cross-border payments ecosystem between the United States and Mexico. ## Current Ecosystem Large wholesale/distributor-driven network Existing operational footprint in both the US and Mexico Distributor and sub-distributor structure with thousands of downstream retail points, telecom shops, independent operators, and mom-and-pop locations Existing licensed coverage in the United States via authorized delegate / agent relationship under an established Money Transmitter Existing Mexican banking / fintech infrastructure with FBO-style collection arrangements Existing active flow of funds and settlement operations already in production ## Current Volume Approximately US$30M/month flowing US → Mexico Approximately US$30M/month flowing Mexico → US Over US$330M processed last year Forecasting materially higher volume this year Initial guaranteed opportunity of at least US$10M/month for the right provider on the Mexico → US side ## Core Problem Statement The business is currently being materially hampered by treasury and settlement bottlenecks on the Mexico → US side. ### Pain Points Slow settlement timelines (often T+1 to T+2) Need for near-instant or same-day settlement Need for improved MXN/USD FX pricing Operational friction around Mexican recognition of US agent/delegate structures Tax and regulatory considerations requiring proper outbound movement of funds from Mexico Existing providers offering acceptable rates but poor settlement speed The operator believes growth is currently constrained primarily by: settlement delays, treasury friction, and non-competitive FX execution. ## Seeking MXN bank account infrastructure Same-day or near-instant MXN → USD settlement Competitive institutional-grade FX pricing Treasury and liquidity partners Stablecoin-enabled settlement rails (optional but welcome) Mexico ↔ US payout and treasury infrastructure Banking and regulated fintech partners FX brokers and liquidity providers Real-time settlement infrastructure providers ## Ideal Providers Banks Licensed FX firms Stablecoin treasury operators Institutional liquidity providers Cross-border settlement firms Mexico-focused fintech infrastructure providers Real-time treasury and payment infrastructure operators ## Important Notes Existing volume is real and already operational Client is vetted NDA available Existing provider economics and settlement structures can be disclosed to serious counterparties Client is willing to transition volume progressively based on performance and economics Primary decision drivers are: settlement speed, operational reliability, compliance comfort, and FX competitiveness. ## Key Takeaway This is not a startup opportunity. This is an existing operational flow seeking materially better settlement infrastructure to unlock additional growth capacity.

Established European payments operator seeking scalable banking, IBAN, acquiring, and embedded finance infrastructure for a rapidly growing SME and retail customer base across Europe. ## Current Infrastructure & Positioning The operator already maintains: Existing Canadian MSB infrastructure Existing payment processing relationships Merchant onboarding experience Active white-label infrastructure arrangements with established UK and European providers Existing acquiring and POS agreements already signed Existing banking and settlement infrastructure discussions already operational Existing European customer acquisition and distribution channels The business is currently operating through white-label and infrastructure partnerships while building transaction volume and operational traction ahead of future direct licensing and infrastructure expansion. ## Existing Capabilities The operator currently supports local account capabilities in: Denmark (DKK) Sweden (SEK) Norway (NOK) Germany (EUR) Netherlands (EUR) Switzerland (CHF) Additional expansion across Europe is planned. ## Market Traction Approximately 200 clients onboarded in Denmark within roughly two months through prior partnership arrangements Existing demand pipeline across multiple European markets Ambition to onboard thousands of SMEs and retail customers across Europe ## Current Objectives Seeking scalable infrastructure for: EU IBAN issuance SME and retail banking Merchant acquiring POS and e-commerce processing Multi-country onboarding Embedded finance Banking-as-a-Service Sponsor / BIN / safeguarding structures Settlement and treasury infrastructure Local IBAN expansion across additional European jurisdictions ## Initial Target Markets Denmark Germany Netherlands Belgium France ## Use Cases SME operational accounts Retail banking access Merchant processing POS terminals E-commerce acquiring Employee and contractor banking access Multi-service bundled financial infrastructure ## Seeking EMI partners Banking partners IBAN providers Acquiring partners Compliance-friendly infrastructure providers BaaS providers Cross-border payment infrastructure companies Long-term strategic infrastructure relationships ## Ideal Counterparties Preference toward providers with: Strong onboarding capabilities for European SMEs Multi-country infrastructure Embedded finance experience Appetite for scaling partnerships rather than temporary workaround solutions Serious counterparties only.

MSB Sponsor Bank Search — Backup / Replacement Account OPERATOR PROFILE A licensed UK tax advisory firm (sole proprietor, professional services background) operating a US-based check cashing service for foreign nationals. Clientele consists of non-US athletes, entertainers, writers, and creatives who receive US IRS tax refund checks and US brokerage distribution checks but cannot deposit them at home because paper checks were phased out across most of Europe over a decade ago. REGULATORY STANDING - California Check Cashing License (active since Feb 2024) - Registered MSB with FinCEN - Operates as agent of payee, not money transmitter - No MTL required given the operating model - Clean compliance history, no enforcement actions OPERATING MODEL - Client mails US check to operator - Operator deposits check into MSB bank account - Once cleared, operator wires net proceeds to client's own foreign bank account - Zero cash handling - Zero money orders - Zero third-party cash distribution - 100% wire-out to beneficiary's personal account VOLUME PROFILE - Annual gross check volume: ~$220,000 USD - Trailing 13 months in operation - Highly seasonal: concentrated Feb-Apr (US tax season) - Peak monthly gross: $35,000-$60,000 - Off-season monthly gross: $5,000-$15,000 (some months dormant) - Average ticket size: $7,000-$10,000 - Incoming deposits: 2-3 per month average - Outgoing wires: 3-4 per month average - Annualized monthly average: ~$18,500 CHECK MIX - 85% US Treasury / IRS refund checks (lowest-risk paper) - 15% Fidelity brokerage distribution checks BENEFICIARY GEOGRAPHY (outgoing wires) UK, Sweden, Norway, Denmark, France, Australia, Japan, Brazil All OECD, all FATF-compliant jurisdictions, all wires to the client's own personal foreign bank account CURRENT BANKING SITUATION - Single MSB account at a US community bank - $148,000 USD locked reserve (initial + recent top-up) - $5,000/month banking fee - Account is functional but the bank has signaled fatigue with low-volume seasonal profile - Operator seeking redundancy and better cost structure WHAT THE OPERATOR IS LOOKING FOR - One or two backup MSB sponsor relationships - Target combined monthly cost across both banks: $4,500-$5,500 - Target combined reserve across both banks: $50,000-$75,000 total - Remote deposit capture for third-party checks - Outgoing international wires to OECD beneficiaries - Account opened within 60-90 days ideally GROWTH OUTLOOK - Premium domain acquired (industry-specific exact-match) - Active expansion into SAG-AFTRA residuals and production payroll for foreign talent (a structurally large and underserved segment) - Strong organic referral network through US Business Managers - Plans to invest in SEO and AI-search visibility - 12-month growth trajectory: realistic 2-3x current volume WHY THIS IS BANKABLE - Real licensed entity, not a startup hoping to figure out compliance later - Clean source of funds (US Treasury refunds, regulated brokerage payouts) - Clean destination of funds (OECD jurisdictions, personal beneficiary accounts) - Operator is a regulated accountant with professional indemnity exposure, has skin in the game - Personal capital already deployed as reserve, demonstrating commitment - Niche is structurally protected (foreign clients cannot bank these checks domestically) INTERESTED PROVIDERS Submit your indicative terms via DealHarbor. Include: - Monthly fee structure - Reserve requirement - Wire pricing (domestic and international) - Onboarding timeline - Any volume floors or restrictions - Sponsor bank name (or "disclosed on shortlist") All offers will be reviewed and shortlisted within 14 days.

A Miami-based U.S. corporation operating since 2007 is seeking replacement business banking access for daily operations. The company is not an MSB, does not handle third-party funds, and has no cash activity. The business requires a U.S. business account that can support domestic and international commercial activity, including wires, ACH, check deposits, and preferably Zelle. The client is currently overseas and requires a provider that can support remote onboarding. Company Profile The business provides end-to-end international trade support, including: - Consulting - Logistics - Sourcing - Outsourcing - Wholesale distribution - Strategic business partnerships - International market expansion support The company helps clients operate more efficiently across global markets. Jurisdiction / Domicile - United States company - Based in Miami, Florida - Operating since 2007 - Company website available - EIN and corporate documents available during provider due diligence Banking Requirement The company is looking for a U.S. business banking solution that can support: - Domestic wires - International wires - ACH transfers - Check deposits - Remote deposit services - Zelle, if available - Online banking access - Remote onboarding while principal is overseas Monthly Volume Profile - Estimated monthly activity: approximately US$100,000 to US$150,000 - Estimated outgoing from the U.S.: approximately US$100,000 to US$150,000 per month - Estimated incoming activity: approximately US$100,000 per month - No cash deposits - No MSB activity - No third-party funds handling Check Deposit Use Case The business has customers with U.S. bank accounts who live overseas. Some of these customers have limited ability to send ACH or wires, so check deposits remain important for ongoing commercial operations. Current Situation The company’s previous/current account access was disrupted, and the client needs to recover normal daily banking operations. Provider should be comfortable reviewing the prior account history and understanding the reason for closure during onboarding. Documents Available for Qualified Providers Upon serious provider interest, the client can provide: - Corporate formation information - EIN confirmation - Website and business description - Past invoices - Passport / identity documents - Explanation of prior banking relationship and closure - Transaction profile and expected use case - Ideal Provider - The ideal banking or financial institution partner can support: - U.S. corporate business banking - International trade-related companies - Remote onboarding - Non-MSB commercial activity - Moderate monthly volume - Domestic and international wires - ACH - Check deposit functionality - Reasonable review of prior account closure context

A Wyoming-domiciled Money Services Business (MSB) registered with FinCEN is seeking a new banking relationship for its U.S.-based cryptocurrency OTC trading business. The company operates a compliant crypto OTC desk serving individual and institutional clients and facilitates the purchase and sale of digital assets, including Bitcoin (BTC), Ethereum (ETH), USDT, and USDC. The business maintains a robust compliance framework that includes KYC/KYB verification, transaction monitoring, sanctions screening, blockchain analytics, and AML controls. We are seeking a banking partner that is comfortable supporting a regulated crypto-related business and can provide: • USD business operating accounts • Domestic and international wire capabilities • Online banking access • ACH services • Virtual account or reference payment capabilities (preferred) • Support for incoming customer deposits via wire transfer for crypto OTC transactions • Support for crypto-related businesses with strong compliance programs Expected monthly volume ranges from $5 million to $10 million, with growth anticipated. Customer funds are received via wire transfer for the purpose of settling cryptocurrency purchases and sales. The company operates under a documented BSA/AML compliance program with an appointed Compliance Officer and maintains comprehensive customer due diligence procedures.