Compliance that gets crypto businesses banked, licensed and exam-ready
FinCheck helps crypto firms get licensed and audit ready. We cover MSB registration, state licensing strategy, independent crypto AML audits and fractional CCO services, so your team can focus on the product.
What makes crypto and digital assets compliance hard
Banks Want Evidence, Not Assurances
Banking partners now expect a tested AML program, clean audit findings and documented controls before they open or keep an account.
On-Chain Risk Needs Specialist Expertise
Tracing wallets, spotting mixer and darknet exposure, and reading blockchain analytics alerts takes skills that traditional AML teams often don't have.
Navigating the Money Transmitter Licensing Maze
Licensing differs state by state, with its own capital, surety bond, audit and reporting rules. One gap can stall your growth.
Meeting Travel Rule and Sanctions Obligations
Sending originator and beneficiary data with each transfer, and screening wallets against OFAC and global lists, are basic expectations for regulators and partners.
Keeping Up With Fast-Changing Rules
Stablecoin legislation, FinCEN guidance and state crypto regimes keep changing, and your policies have to keep up.
Fraud and Scam Exposure
Pig-butchering, account takeovers and money mule activity move through crypto platforms quickly, and regulators expect you to catch them.
Transaction Monitoring That Fits Crypto
Off-the-shelf rules create alert backlogs or miss crypto-specific typologies. Scenarios need tuning to your products and customers.
Unhosted Wallets and Cross-Border Flows
Transfers to self-custodied wallets and offshore exchanges make it harder to identify counterparties and prove where funds came from.
Our crypto compliance services
MSB Registration
FinCEN registration, agent lists and renewals, handled from start to finish so nothing lapses.
State Licensing Strategy
A clear plan for which states require a license, which offer exemptions, and the order to apply in to reach the market fastest.
Crypto AML Program
Policies, risk assessments and procedures built around your actual products, chains and customers. No generic templates.
Independent AML Audit
Testing across all four BSA pillars, including transaction monitoring and blockchain analytics, with findings your regulators and banks can rely on.
Fractional CCO
An experienced BSA officer on your team, without the cost of a full-time executive.
Banking and Partner Readiness
Due diligence packages that answer your bank's questions before they're asked, so onboarding moves faster.
Transaction Monitoring Tuning
Rules and scenarios tuned to your products, chains and customers, so alerts catch crypto-specific typologies without building a backlog.
Outsourced Compliance Operations
Trained analysts clearing KYC reviews, monitoring alerts and fraud cases, scaling up as your volume grows.
How an engagement works
Discovery Call
We learn your product, money flow, markets and deadlines.
Gap Assessment
We map your obligations and show exactly where you stand.
Build and File
We write the program, prepare filings and set up controls.
Run and Review
Ongoing CCO support, monitoring, audits and renewals.
Frequently Asked Questions
Can FinCheck act as our crypto compliance consultant or BSA officer?
Yes. As your fractional CCO, we can be your designated BSA/AML compliance officer, owning the program, reporting to your board and representing you to banks and regulators.
How does FinCheck handle crypto-related AML reporting?
We set up monitoring for on-chain red flags, support investigations using blockchain analytics, and document SAR decisions clearly. We also make sure Travel Rule records are kept for transfers of $3,000 or more.
What if we already have an AML program in place?
We start with a gap review against FinCEN expectations and your actual crypto products, then update what is missing rather than rewriting what already works.
Can FinCheck help with blockchain analytics and KYC vendor selection?
Yes. We help you define requirements, compare wallet screening, blockchain analytics and KYC providers, and configure them to match your risk assessment.
Do you provide AML training for our crypto team?
Yes. We deliver role-based training for customer support, operations, compliance staff and leadership, focused on crypto typologies and your own procedures.
Can FinCheck help with MSB registration and state licensing?
Yes. We handle FinCEN MSB registration and build a state-by-state money transmitter licensing plan, including New York BitLicense considerations.