financial-services

Financial Services

Non-bank financial institutions, payroll & payment providers, and financial services companies looking to expand, need a partner to enable access to the U.S. financial system. While banks may have the financial infrastructure, few have a nimble technology architecture to go with it.


Alviere brings together the trust of a licensed money transmitter, the scale of a superplatform, and the expertise of a full-service team.

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Expand compliant operations in the U.S.

How financial services companies can serve U.S.-based individuals and businesses through Alviere money transmitter licenses (MTLs).

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Onafriq launches remittances and payments from U.S. to Africa

Africa’s largest digital payments network, Onafriq, connects more than 500 million mobile wallets, 200 million bank accounts, and 400 thousand small medium businesses across the continent. With Alviere, it leverages the Alviere HIVE platform and company’s regulatory framework to process payments originating from the U.S. in strict compliance with Anti-Money Laundering (AML) standards for U.S. financial institutions.

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Embedded remittance with 50% faster KYC

A tiered approach to KYC allows Alviere's enterprise clients to progressively provide access to a wider range of financial services, and increase send limits. Along the way, customers must provide additional information, as required under current regulations. As a regulated financial entity in the United States, Alviere is compliant and adheres to best practices.

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What to know: Securing & maintaining money transmitter licenses (MTLs)

Each U.S. state has its own requirements and processes for securing and maintaining money transmitter licenses (MTLs). The process of securing MTLs throughout the country can take several months to years, with major upfront investment. After obtaining the licenses, companies must maintain compliance with both federal and state regulations.

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Centralized vs. state-by-state: Licensing for financial institutions in the EU and U.S.

The EU's centralized “passporting” model allows companies to operate across member states with a single license financial license, simplifying expansion across the region. In the United States, the state-by-state model for money transmitter licenses (MTLs) can lead to high variability in costs and timing. European companies looking to expand operations to the U.S. need to understand how the process differs.

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FAQs for launching embedded remittance

Answers to key questions on embedding remittance into your app or platform. Learn what it takes to seamlessly integrate remittance capabilities to drive more customer engagement and revenue. Read more on how to add remittance, applicable regulations, integrations, and reducing risk.

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The cowboy days of embedded finance are coming to an end

Some fintech companies claim that any business can launch products that make them look and feel like a bank. But regulators are paying attention, and the landscape is shifting. Licensed money transmitters offer a new path to de-risk the scrutiny of the prior BaaS operating model, while continuing to push the envelope on advanced technology integration.

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Onboard customers to the U.S. financial system

Offer customized financial solutions through the Alviere HIVE platform.

Enhance cross-border access

Global Money Transfers

Easily make payments or enable end customers to send cross-border remittances from the United States to more than 100 countries. Alviere’s regulatory framework supports KYC and KYB for full customer onboarding.

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Cross-bordersettlement
Identity verification
White-label customer support
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Issue USD accounts & cards

Accounts

Launch full ACH capabilities within the U.S., with comprehensive compliance, risk management, and security built-in. Demand deposit accounts (DDAs) can be tailored with card issuance, payment methods, and cross-border capabilities.

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Business and individual accounts
Debit cards
Earn yield
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Secure funds with a licensed partner

Security & Compliance

Trust business expansion to a licensed money transmitter, with a platform built to comply with federal and state financial regulations. Alviere adheres to strict Anti-Money Laundering (AML) standards to safeguard enterprise clients.

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Licensed money transmitter
PCI DSS Compliant
SOC II Compliant
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Expertise from a full service team

Alviere invests in your business to configure a fully embedded solution, harness subject matter expertise during implementation, and maintain a strategic lens on profitable growth. Learn about the resources, milestones, and know-how you can expect with us.

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Expertise from a full service team

Alviere invests in your business to configure a fully embedded solution, harness subject matter expertise during implementation, and maintain a strategic lens on profitable growth. Learn about the resources, milestones, and know-how you can expect with us.

Read launch guide