RegFlow

In Development

Licensing & Registration Management

For small and medium-sized MSBs and secondhand precious metals dealers

RegFlow manages the licensing and registration lifecycle for Money Services Businesses and secondhand precious metals dealers. From initial application through renewals and amendments, RegFlow combines AI-powered information gathering with qualified consultant review to get you licensed correctly the first time.

What RegFlow Covers

State MSB Licensing

Money transmitter, check casher, currency exchanger, payment instrument seller, and deferred presentment provider licenses — across multiple states. RegFlow uses our regulatory intelligence framework to determine the exact requirements for each state and license type, so nothing is missed in the application.

Secondhand Precious Metals Dealer Licensing

Dealers who purchase pre-owned jewelry, precious metals, and other covered goods are subject to specific licensing requirements in most jurisdictions — including holding periods, daily purchase reporting to local law enforcement, and sworn statements. RegFlow handles the licensing process for these businesses with full awareness of the obligations that come with the permit.

FinCEN MSB Registration

Federal registration as a Money Services Business with the Financial Crimes Enforcement Network. RegFlow manages the initial registration and tracks renewal deadlines to keep your federal registration current.

Renewal & Amendment Tracking

Licenses expire, business details change, and regulators require updates. RegFlow tracks every deadline and triggers the renewal or amendment process before due dates arrive. For clients who also use Clara, deadline tracking integrates directly with your compliance assistant.

How RegFlow Works

AI-Powered Information Gathering

RegFlow collects and organizes the documentation your application requires — pulling from your business profile, regulatory requirements for your specific state and license type, and the information you provide through the portal. The system identifies gaps and requests missing items before the application moves forward.

Consultant-Prepared Submissions

License applications are reviewed and submitted by qualified consultants on our team. The AI handles research and preparation; a human professional ensures the application meets the regulator's expectations and files it on your behalf.*

Portal Access

You interact with RegFlow through your client portal. Upload documents, track application status, receive notifications, and view your complete licensing history — all in one place.

* Client must sign a limited power of attorney prior to commencing services.

Multi-State Coverage

Licensing requirements vary significantly from state to state. RegFlow draws on our regulatory intelligence framework to identify the exact requirements, fees, forms, and timelines for each jurisdiction. Whether you're applying in one state or expanding across several, RegFlow adapts to each state's specific process.

Who RegFlow Is For

MSBs applying for their first state license

Established businesses expanding into new states

Secondhand precious metals dealers requiring dealer permits or licenses

Any MSB needing to register or renew their FinCEN registration

Businesses managing multiple licenses across different jurisdictions

Need help with licensing or registration?