Launch U.S. account, payment, and stablecoin programs through one operating relationship.
Reduce provider fragmentation across accounts, payment rails, stablecoin conversion, reporting, and integration. Ledger1 coordinates the operating model, compliance review, integration, and standing operations for licensed programs.
Where Ledger1 typically fits.
- Named USD account and virtual account structures
- ACH credits and debits, and domestic wires
- International payments where supported
- Beneficiary payments and payouts
- Fiat-to-stablecoin and stablecoin-to-fiat conversion
- Wallet, crypto-beneficiary, and withdrawal workflows
- Transaction reporting across bank, trade, and blockchain activity
- Reconciliation, subledgering, and exception management
- APIs, sandbox, and signed webhooks
Typical stages.
Timing depends on program complexity, submission completeness, follow-up diligence, the number of partners, required controls, integrations, testing, and approval dependencies.
Stage 01
Introduction and fit
Business model, customers, counterparties, jurisdictions, flows, currencies, volumes, and controls.
Stage 02
Program design and review
Eligibility, diligence, account structure, rails, funds-flow model, and approval dependencies.
Stage 03
Approval and integration
Sandbox and API access, account and beneficiary workflows, testing, reporting, and launch readiness.
Stage 04
Standing operations
Named contacts, exception coordination, transaction visibility, escalation, and change management.
What Ledger1 does not replace.
Ledger1 does not replace a client's licensing, own compliance program, required approvals, risk ownership, or independent legal counsel. Responsibilities are allocated according to the approved program structure and applicable agreements.
Availability
Products and services are subject to eligibility, customer and use-case review, due diligence, underwriting, jurisdictional restrictions, partner approval, and applicable agreements. Availability varies by product, country, state, currency, asset, network, corridor, and program structure.Frequently asked questions.
- Can international MSBs qualify?
- Potentially. Eligibility depends on the entity, ownership, licensing, jurisdiction, customer types, counterparties, funds flow, expected activity, controls, and partner approval. Being licensed outside the United States is not automatically disqualifying, but documentation and a supportable U.S. dollar use case matter more.
- Can clients provide accounts to their underlying customers?
- Only under an account and program structure specifically approved for that purpose, with onboarding, verification, monitoring, recordkeeping, and escalation responsibilities allocated in advance. The sponsor bank and applicable providers retain approval rights.
- Are individual and business underlying customers supported?
- Business underlying customers are more common. Individual underlying customers are supported only where the program is expressly approved for them.
- Can third parties fund accounts or receive payouts?
- Third-party funding and beneficiary payments are supported only when expressly included in the approved program. The relevant parties, payment purposes, jurisdictions, evidence, limits, and controls must be defined in advance.
- Which responsibilities remain with the client?
- Ledger1 does not replace a client's licensing, own compliance program, required approvals, risk ownership, or independent legal counsel. Responsibilities are allocated according to the approved program structure and applicable agreements.
- What information does Ledger1 need to evaluate a program?
- Ledger1 generally reviews the legal entities and ownership, licenses and registrations, products, customer types, counterparties, jurisdictions, currencies, complete flow of funds, expected transaction profile, compliance controls, financial information, technical requirements, and requested launch timing.
Bring the program you need to launch or scale.
Tell Ledger1 the customers, counterparties, jurisdictions, currencies, assets, and workflows involved. Our compliance and solutions team will assess fit and define next steps.