Fintech infrastructure providers in US

Fintech licensing and products in the US

The US is outside the EEA and UK licence registers tracked here (EBA, ESMA, FCA). 13 of the 38 providers below hold a licence in those registers through a group entity: Circle (MiCA CASP in France, EMI in France), Convera (PI in Luxembourg), Corpay (PI in Ireland), Fiserv (PI in the Netherlands, PI in Poland), Ivy (Augustus) (PI in Finland, AISP in Finland), MoonPay (MiCA CASP in the Netherlands) and 7 more.

Providers headquartered in the US are listed as a contrast group. Some run licensed EEA entities, but ownership stays with the US parent, so US law, including the CLOUD Act, reaches the group. European alternatives to US platforms →

Products offered by the providers below: Card issuing software (6), Issuer processing (6), Payment gateway (6), Crypto / digital-asset infra (4), BaaS (3), Cross-border payments / FX (3), Credit risk & decisioning (2), KYC/KYB (2), Open banking (2), Payment orchestration (2), Subscription billing (2), Tokenization – X-Pays (2), Agentic payments & commerce (1), Card manufacturing & personalization (1), Card-linked rewards & loyalty (1), Click to Pay (1), E-invoicing & tax compliance (1), Local payment schemes (1), Merchant of Record (1), Payment terminals & SoftPOS (1), Sovereign cloud & hosting (1), Tokenization – Non-X-Pays (1), Treasury & cash management (1).