Pick & Pay Pricing: Tailored Licensing, Banking & Crypto Infrastructure
Build your solution one piece at a time.
The pricing listed below applies to success-based engagements where clients are specifically seeking introductions only, without any additional advisory services. Documentation is not included in the pricing listed below (unless explicitly specified).
Money Transmitter License (MTL) Sponsorship – United States & Canada
| # | Service Description | Type | Coverage | Our Fee |
|---|---|---|---|---|
| 1.1 | MTL Sponsorship (Non-Agent) – P2P Remittance (US) | Remittance | Cross-Border, Person-to-Person | $12,500 |
| 1.2 | License Sponsorship (Non-Agent) – P2P Remittances (Canada) | Remittance | Cross-Border, Person-to-Person | $6,000 |
| 2.1 | MTL Sponsorship (Non-Agent) – B2B Remittance (US) | Remittance | Cross-Border, Business-to-Business | $15,000 |
| 2.2 | License Sponsorship (Non-Agent) – B2B Remittances (Canada) | Remittance | Cross-Border, Business-to-Business | $7,500 |
| 3.1 | MTL Sponsorship (Non-Agent) – Combined P2P + B2B | Remittance | Cross-Border, P2P & B2B | $25,000 |
| 3.2 | License Sponsorship (Non-Agent) – Combined P2P + B2B (Canada) | Remittance | Cross-Border, P2P & B2B | $8,250 |
| 4 | MTL Sponsorship (Agent-Based) – P2P Remittance | Remittance | Cross-Border, Person-to-Person | $18,000 |
| 5 | MTL Sponsorship (Agent-Based) – B2B Remittance | Remittance | Cross-Border, Business-to-Business | $18,000 |
| 6 | MTL Sponsorship (Agent-Based) – Combined P2P + B2B | Remittance | Cross-Border, P2P & B2B | $25,000 |
Banking Access Solutions
| # | Service Description | Region | Notes | Our Fee |
|---|---|---|---|---|
| 7 | Access to Banking (Non-MSB Purposes) | United States | General corporate bank accounts* | $1,495 |
| 8 | Access to Banking (Non-MSB Purposes) | International | Jurisdiction-specific* | $2,495 |
| 9 (a) | Access to Banking for MSB Purposes | United States | For registered MSBs requiring operational bank accounts* | $3,495 |
| 9 (b) | Access to Banking for MSB Purposes | United States &/or International | For registered MSBs requiring operational bank accounts* | $3,495 |
| 10 | Access to Banking for MSB Purposes (Intl Transfers) | Global | Includes support for both emerging and developed markets* | $5,500 |
| 11.1 | Access to Banking w/ MTL Coverage | United States | Suitable for money transfer operations with regulatory coverage | $12,500 |
| 11.2 | Access to Banking w/Licensing Coverage | International | Suitable for money transfer operations (as a Payment Institution or Electronic Money Institution) with regulatory coverage | $16,500 |
| 12 | Escrow / Settlement Account | United States | Includes KYC/AML support | $7,500 |
| 13 | Escrow / Settlement Account | International | Custom solutions per region | $12,500 |
Note: Does not include any sort of money transmitter license or legal coverage for licensing.
Service Type Descriptions
Access to Banking (Non-MSB Purposes)
These services are intended for companies that do not fall under the definition of a Money Services Business (MSB). These clients are generally involved in traditional commercial activities such as consulting, e-commerce, B2B services, and other general business functions that do not involve the transmission of funds on behalf of others. These bank accounts are for general corporate use and are not equipped for regulated financial activities like money transfers.
Access to Banking for MSB Purposes
This category is designed for businesses that qualify as MSBs under applicable regulatory frameworks. These businesses typically engage in activities such as money transmission, currency exchange, or prepaid card services. The banking partners in this category understand the compliance obligations and risks associated with servicing MSBs, and the account onboarding process includes enhanced due diligence.
Access to Banking for MSB Purposes (International Transfers)
These accounts cater specifically to MSBs that are involved in cross-border or international remittances. The solution supports corridors across both emerging and developed markets and includes support for wire transfers, SWIFT payments, and local payout capabilities where applicable. These setups are often used by money transfer operators, crypto ramp providers, or fintech startups offering borderless payment solutions.
Access to Banking w/ MTL Coverage
This service includes not only banking access but also coverage under an existing Money Transmitter License (MTL) in the United States. It is ideal for startups and fintechs who want to operate legally in the U.S. without acquiring their own licenses. This service allows participation under a white-label or agent arrangement, enabling lawful money transmission activity through the sponsoring license holder.
Escrow / Settlement Account (U.S. and International)
These accounts are built for transactional businesses that require third-party settlement or custodial handling of funds—ideal for platforms managing funds on behalf of others (e.g., marketplaces, FX brokers, or remittance companies). U.S. options include KYC/AML compliance support. International options vary by jurisdiction and are tailored to specific regulatory environments and business needs.
Crypto-Fiat Licensing & Onboarding
| # | Service Description | Region | Coverage | Our Fee |
|---|---|---|---|---|
| 14 | Crypto Licensing & Onboarding | United States (All 50 States) | Includes BitLicense if applicable | $18,000 |
| 15 | On-Ramp / Off-Ramp (Crypto) | United States (All 50 States) | Cross-border transfers included | $25,000 |
| 16 | Combined Fiat + Crypto License | United States (All 50 States) | On-Ramp, Off-Ramp, Multi-currency, Cross-Border | $30,000 |
Banking-as-a-Service / Neobank Setup
| # | Service Description | Region | Included Features | Our Fee |
|---|---|---|---|---|
| 17(a) | Neobank Setup for US & Foreign Entities | Global (Low Risk, Mature Markets) | Interest-Bearing Accounts, Debit/Credit Cards, Equities Access | $12,500 |
| 17(b) | Neobank Setup for US & Foreign Entities | Global (High Risk, Less Mature Markets) | Interest-Bearing Accounts, Debit/Credit Cards, Equities Access | $15,000 |
| 18 | Pooled Accounts Setup | United States / Global | For operational & settlement use | $12,500 |
| 19 | FBO Account Services | United States | For Crypto & Fiat On-Ramp / Off-Ramp | $15,000 |
Our Services Do Not Include
Unless engaged explicitly for these tasks (please inquire separately), our services do not include:
- Filing applications on your behalf
- Conducting financial projections for you
- Writing business plans for you
- Assessing the viability or marketability of projects for you
- Performing enhanced due diligence for you
- Preparing documentation for you
- Signing any documents or undertaking any commitments for you
- Providing modeling sheets or revenue projections for you
- Providing a compliance manual
- Providing a compliance program
- Providing any risk assessment documents
- Providing a flow of funds or funds flow diagram
- Providing a transaction set
- Providing any customer identification program manual
- Providing any legal opinions or legal memos
- Providing any legal templates
- Providing technical information related to software, IT systems, etc.
- Providing information on APIs and connectivity
- Educating you about the information and services in your field
Important: You are expected to have a comprehensive understanding of the industry you are entering, including the necessary expertise to handle software and IT systems.
Our Services Include
What We Provide:
- Facilitating direct communication between you and solution providers
- Making introductions to ensure both parties understand what is being sought
- Setting clear expectations to prevent misunderstandings
- Encouraging direct communication with solution providers, but available to assist if:
- There are translation issues
- There is a misunderstanding of expectations
- Any other reason arises that necessitates our involvement
Pricing: All prices are in US Dollars and subject to change. Contact us for current pricing and availability.
Ready to get started? Contact us or Book a consultation to discuss your specific requirements.