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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”

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 U.S.-registered and Virginia-licensed Money Service Business / Money Transfer Operator is seeking a banking partner to support client funds and international money transfer activity. The company has been operating since 1999 and expects to process approximately USD 3 million per month, with an average transaction value of around USD 350. Business Profile: SFB Capital Systems LLC is a U.S.-registered money service business licensed in Virginia as a money transmitter. The business provides money transfer services and requires banking support for client fund activity. The company does handle cash but does not engage in check-cashing, lending, cryptocurrency, prepaid/loadable card services, or fintech activity. Required Banking Services: The client is seeking access to: - Checking account - FedWire - SWIFT - Card processing - FDIC-insured banking relationship Use of Account: The account will be used for client funds related to licensed money transmission activity. International Corridors: The client expects to send international payments to: - Ghana - Sierra Leone The client does not expect to receive international payments. Transaction Profile: - Expected monthly volume: USD 3 million - Average transaction value: USD 350 - Transaction type: B2C - Aggregation: No Compliance Notes: The client confirms: - Full-time compliance officer in place - Full OFAC screening on incoming and outgoing payments - No regulatory warnings, citations, suspensions, or license cancellations - No personal bankruptcy filings in the past 10 years - No current PSP - No use of another party’s bank account - No FBO requirement - No omnibus account requirement - No nesting of funds - No correspondent banking services - No sanctioned or prohibited country activity - No fraud or chargeback issues reported Timeline: The client is ready to move forward immediately, ideally within the next 10 days. Deal-Breakers: None listed.

A newly established U.S.-registered and U.S.-licensed Money Transfer Operator is seeking a banking partner for MSB account services. The company provides domestic and international payment services, including cross-border money transfers, supplier payments, and remittance services. The client requires a bank account to hold and process client funds, with expected monthly processing volume of approximately $500,000 and an average transaction size of around $5,000. Business Profile: The company is a U.S.-registered Money Services Business / Money Transfer Operator established in 2025. It does not deal in cash, check-cashing, lending, prepaid cards, or nested funds. The business does have cryptocurrency exposure, but does not classify itself as a fintech. The client has a full-time compliance officer, performs full OFAC screening on incoming and outgoing payments, and has no reported regulatory warnings, suspensions, bankruptcies, fraud issues, or chargeback concerns. Required Banking Services: The client is looking for banking access that can support: - Checking account - Savings account - ACH - Next-Day ACH - Same-Day ACH / RTP - FedWire - SWIFT - International incoming and outgoing payments - FDIC-insured banking relationship Use of Account: The account will be used for client funds and payment processing related to domestic and international money transfer activity. International Corridors: The client expects to send and receive international payments involving: China, Hong Kong, Singapore, India, Spain, Italy, United Kingdom, Argentina, Brazil, Uruguay, Chile, Peru, and Paraguay Transaction Types: The expected transaction mix includes: - B2B - B2B2C - C2C Compliance Notes: The client confirms: - No cash activity - No check-cashing - No lending - No prepaid/loadable card activity - No nesting of funds - No correspondent banking services - No sanctioned or prohibited country activity - Full OFAC screening on all incoming and outgoing payments - Full-time compliance officer in place - No current PSP - No use of third-party bank accounts Timeline: The client is ready to move forward immediately, ideally within the next 10 days Deal-Breakers: The client cannot proceed with providers that have: - No support for international payments - Excessively high transaction or service fees - Risk or compliance frameworks that are incompatible with licensed MSB / money transmitter activity