RaaS · Technology + Licence

Launch Your Money Transfer
Business in the
🇺🇸 United States.

Launch under RemitSo's FinCEN-regulated infrastructure with the full white-label platform included. Your brand, your customers, your revenue — from week one.

No licence required to start
Zero revenue share
Live in 4–8 weeks
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What is RaaS (Remittance-as-a-Service)?

RaaS bundles the technology platform (white-label apps, back office, compliance) with regulatory sponsorship under our FinCEN-regulated entity. You launch under our licence, build your customer base, and upgrade to your own licence when it makes commercial sense. You keep 100% of your revenue — we charge only a flat fee.

Payment Rails
ACH / Fedwire / RTP
MSB Coverage
All 50 States
Standard ACH
24hr Settlement
RTP Available
Real-Time
Platform + Licence

Technology and Regulation.
Together in One Package.

Other providers give you either the technology or the licence. RemitSo RaaS gives you both — pre-integrated, pre-approved, and ready to activate.

📱
Full White-Label Platform
Included in every RaaS package
iOS & Android apps under your brand
Customer web portal
Back office: FX engine, treasury, customer 360°
Automated AML/KYC/SAR compliance
21 transaction lifecycle states
Payout to 100+ countries
8 pay-in gateways (card, bank, wallet)
Dedicated AWS instance (99.99% uptime)
⚖️
FinCEN · All 50 States
All 50 US States
No licence required to start operating
FinCEN registered MSB with Federal Reserve access
ACH + Fedwire + RTP payment rails
Zero revenue share — flat fee only
Upgrade to own licence when ready
FATF globally recognised model
All compliance obligations handled
Live in 4–8 weeks
Regulatory Compliance

Every Regulation. Handled.

All compliance obligations for operating in United States are built into the platform and covered under our regulatory sponsorship.

Bank Secrecy Act (BSA)
Full BSA compliance programme included — CTR filing, SAR submission, recordkeeping requirements.
OFAC Sanctions Screening
Every transaction screened against OFAC SDN list (15,568+ records). Automated, real-time.
State MTL Compliance
50-state money transmitter license covered under our sponsored infrastructure.
AML/CFT Programme
Full anti-money laundering and counter-financing of terrorism programme built into the platform.
Payout Corridors

Top Corridors from United States.
Ready to Activate.

The most popular send-from-United States corridors are pre-integrated and ready. Add more as you grow — 100+ countries available.

India (UPI, IMPS)Mexico (SPEI)Philippines (GCash)Nigeria (Naira)China (UnionPay)Pakistan (IBFT)
See all 100+ payout countries →
Payout Methods Available
🏦
Bank Transfer
Direct to bank accounts globally
📱
Mobile Wallets
bKash, M-Pesa, GCash, UPI, Airtel
💵
Cash Pickup
Agent networks globally
Deployment

From Contract to Live
in 4–8 Weeks.

A structured, low-risk activation process — no regulatory approval cycles, no banking application delays.

Week 1–2
Onboarding & Setup
Contract signing, business model review, AWS instance provisioning, white-label branding configuration, and compliance framework setup for United States.
Week 2–4
Integration & Testing
Payment gateway activation, payout corridor testing, ACH + Fedwire + RTP integration testing, KYC/AML configuration, and user acceptance testing.
Week 4–6
Compliance Certification
Regulatory documentation finalisation, compliance certification under FinCEN framework, API credential provisioning.
Week 6–8
Go-Live
Platform goes live in United States. App Store & Google Play submission. First live transactions. Ongoing support and monitoring from day one.
Why RaaS Makes Sense

The Commercial Logic
is Compelling.

Building your own FinCEN licence costs 12–18 months and hundreds of thousands in legal fees. Here's the numbers.

Time to Market
4–8 Weeks vs. 12–18 Months
Obtaining your own FinCEN licence takes 12–18 months minimum — legal fees, regulatory engagement, compliance infrastructure. RaaS gets you live in 4–8 weeks under our existing licence.
Zero Revenue Share
Keep 100% of your FX spreads.
Other RaaS providers take 0.5–2% of every transaction. At any meaningful volume, that's tens of thousands of dollars per month lost. RemitSo charges a flat fee only — you keep everything you earn.
Brand Continuity
Your customers see only your brand.
Customers interact entirely with your brand — not ours. When you graduate to your own licence, the transition is seamless. All customer data, history, and relationships belong to you from day one.
Fixed Compliance Cost
Predictable cost regardless of volume.
Unlike revenue-share models where compliance costs grow with your volume, RaaS charges a flat fee. Your cost structure is fixed and predictable — critical for early-stage financial planning.
Upgrade Path
Build your licence in parallel.
While running on RaaS, you build your customer base and revenue. We support your own licence application when you're ready — technology transfer, compliance documentation, regulatory introductions.
FATF Recognised
Globally compliant model.
FATF (Financial Action Task Force) globally recognises the sponsor/agent model as a compliant structure for remittance services. You're operating within a well-established, accepted framework.
$2.5B+
Annual Volume
97%
AML Auto-Clear
100+
Payout Countries
0%
Revenue Share

Launch in United States.
In 4–8 Weeks.

Platform + FinCEN licence together. Your brand, your revenue, your future.