Off-market fintech M&A rarely surfaces assets this complete. Project Liberty is the acquisition of a fully operational U.S. MSB With SWIFT Bank Accounts, and Banking Software. A FinCEN-registered Money Services Business incorporated in Montana — and what sets it apart is not just the licence.
It is everything that comes with it: live SWIFT BIC status as a Supervised Financial Institution, three active bank accounts with JP Morgan Chase, Column Bank/Brex, and Portage Bank, institutional crypto access via SFOX, and proprietary white-label core banking and card-issuing software included in the sale with full source code and right to resell.
This is not a shell. This is a working payments infrastructure stack, available on Day 1.
U.S. Money Services Business
Acquisition Opportunity · Full-Stack Regulated Infrastructure · SWIFT-Connected
FinCEN — Regulator
Connected — SWIFT BIC
3 Active — Bank Accounts
50+ — AML Policies
Executive Summary
Project Liberty presents a rare opportunity to acquire a fully operational, FinCEN-registered Money Services Business (MSB) incorporated in Montana, USA. The entity carries live SWIFT BIC connectivity as a Supervised Financial Institution, active operating bank accounts with JP Morgan Chase, Column Bank/Brex, and an approved FBO account with Portage Bank, making it a genuinely plug-and-play cross-border payments infrastructure. Proprietary white-label core banking and card-issuing software with right-to-resell is included in the transaction.
Asset Summary
• Jurisdiction: Montana Corporation — physical office in Bozeman, MT
• FinCEN Status: Registered MSB — active
• Compliance: CAMS-certified Compliance Officer in place
• AML Framework: 50+ AML policies; independent AML audit completed
• Financials: CPA-audited financial statements available
Banking & Settlement Infrastructure
• JP Morgan Chase: Operating Bank Account — active
• Column Bank / Brex: Operating Bank Account — active
• Portage Bank FBO: Approved account (requires payment to reactivate)
• TransferMate: Approved Global Payouts Financial Institution Account + RTGS Network Membership
• SFOX: Institutional Crypto OTC Account
Swift Connectivity
• BIC Status: Connected as Supervised Financial Institution
• Message Types: All SWIFT MT types supported
• Integration: Active SWIFT membership; technical integration ongoing
Software
• White-label Core Banking Software — proprietary, in-house developed, included in sale with full source code and right to resell.
• Card Issuing Software — fully integrated, source code transferred on closing.
Why it is a Life Time Opportunity
Acquiring a FinCEN-registered MSB with live SWIFT BIC status, three active banking relationships, institutional crypto access via SFOX, and proprietary banking software is a multi-year shortcut. Building equivalent infrastructure from scratch — regulatory approvals, correspondent relationships, SWIFT onboarding, software development — typically requires 3–5 years and significant capital. This transaction delivers it on Day 1.
Transaction Process
• Format: Private sale — no auction
• Diligence: Full documentation package available under NDA and Proof of funds
• Advisor: FintechLex SA / Venture Capital Studio — exclusive sell-side mandate
• Contact: insight@fintechlex.com
Conclusion
For acquirers looking to enter the U.S. payments corridor — or expand an existing cross-border infrastructure this FinCen MSB compresses years of regulatory and operational build into a single transaction. The combination of FinCEN registration, live SWIFT connectivity, active correspondent banking, and proprietary software is genuinely uncommon at this stage of the market.
Qualified interest is handled on a strictly private basis. Reach out to begin the conversation.
📩 insight@fintechlex.com
FintechLex SA / Venture Capital Studio
