牌照是主流金融体系最重要的标志之一，对加密交易所而言，它是进入主流社会的敲门砖，也是交易所合规性与综合实力的彰显。有牌照就意味着获得了监管机构经营许可，可以合法开展业务，接受合规监管，规避风险。

诚然，有牌照的平台不能保证一定安全稳健、不作恶，但至少体现了平台拥抱监管、谋求长远的决心，比野蛮式发展的平台更靠谱。

通常来看，加密交易所领域涉及的监管牌照主要有美国MSB、加拿大MSB等监管牌照。

MSB全称为Money Services Business，是北美国家的主流金融牌照之一，有较高的认可度和权威性。

 The license is one of the most important symbols of the mainstream financial system, and for crypto exchanges, it is a stepping stone to the mainstream society, and it is also a demonstration of the exchange's compliance and comprehensive strength. Having a license means that you have obtained the regulatory authority to operate, can legally carry out business, accept compliance supervision, and avoid risks.

It is true that a licensed platform cannot guarantee a certain safety and stability and does not do evil, but at least it reflects the platform's determination to embrace supervision and seek long-term development, which is more reliable than a barbaric development platform.

Generally speaking, the regulatory licenses involved in the field of crypto exchanges are mainly U.S. MSB, Canadian MSB and other regulatory licenses.

MSB, the full name of Money Services Business, is one of the mainstream financial licenses in North America, with a high degree of recognition and authority.    

美国MSB牌照的概念     

科普一下美国MSB牌照有什么用途，解析知名的区块链交易所牌照，美国MSB牌照操作流程，整体来说美国牌照目前申请还是好申请的，区块链，交易所都是友好优先可以选择的国家，在注册周期以及性价比和使用范围都是很有优势，美国牌照是美国金融管理局下发的，注册一家美国公司，公司下来以公司的名义进行牌照申请，据了解以后申请审核会越来越严格，不是每个国家都是有数字货币金融牌照下发，根据经验也不是哪个国家的牌照都无限制下发的，所以想项目及交易所平稳顺利落地可以考虑尽早拿到好申请含金量高的牌照，作为项目及交易所的门面。

海外金融牌照申请其实从区块链技术得到应用后不久就开始了，而国内火热的时间却不长。分析原因，还是跟区块链在各个国家，地区发展程度有一定关系。---智汇咨询  

而在美国，监管办法就是申请MSB牌照了。 

American MSB license concept

Popular science about the use of the United States MSB license, analyze the well-known blockchain exchange license, the United States MSB license operation process, on the whole, the United States license is still good to apply for the current application, blockchain, exchanges are friendly priority can choose countries, in the registration cycle and cost-effective and scope of use are very advantageous. The United States license is issued by the United States Monetary Authority, registered a United States company, the company down in the name of the company for license application, it is understood that the application review will be more and more strict, not every country is a digital currency financial license issued, according to experience, not which country's license is unlimited. Therefore, if you want the project and the exchange to land smoothly, you can consider getting a good license with high gold content as soon as possible, as the facade of the project and the exchange.

Overseas financial license applications actually began shortly after the application of blockchain technology, while the domestic hot time is not long. The reason is still related to the degree of development of blockchain in various countries and regions. -- Zhihui Consulting

In the United States, the regulatory approach is to apply for an MSB license.

美国MSB牌照如果你不了解，火币你应该知道吧？火币在去年就申请了美国MSB牌照，火币在区块链行业的排名大家应该有目共睹，因此美国MSB牌照的含金量你也可以自行想象了。话不多讲，给大家科普一下美国MSB牌照。   

美国MSB牌照是由美国财政部监管，并颁发的一类金融牌照，主要收监管对象是金钱服务相关的业务与公司，包括了数字货币、虚拟币的交易，ICO发行，以及外汇兑换，国际汇款等等的业务。在美国从事相关业务的公司，必须向申请MSB牌照，才能合法地运营。也是所有要在美国运营数字货币业务的公司必须所拥有的的牌照。

比如说像在新加坡，区块链现在发展的已经比较成熟了，因为它发展时间长，国家政策支持，区块链项目众多，所以在新加坡，对于区块链项目有属于自己相对完善的一些监管办法。   国家政策支持，区块链项目众多

目前新加坡区块链项目合规可以申请做法律意见书。它的作用和其他国家的金融牌照类似。都属于一种法律上的监管办法。目的还是为了对投资者负责，也让项目本身更加完善，当然，对于项目方本身来说也是好事，相当于是一种包装，更加正规。

Us MSB license if you do not understand, Huobi you should know? Huobi applied for the US MSB license last year, and the ranking of Huobi in the blockchain industry should be obvious to everyone, so the gold content of the US MSB license can also be imagined by yourself. Not much to say, to give you popular science about the United States MSB license.

The United States MSB license is regulated by the United States Department of Treasury and issued a class of financial licenses, the main object of supervision is money services related businesses and companies, including digital currency, virtual currency trading, ICO issuance, as well as foreign exchange, international remittance and so on. Companies doing business in the United States must apply for an MSB license in order to operate legally. It is also a license that all companies that want to operate digital currency businesses in the United States must have.

For example, in Singapore, the development of blockchain has been relatively mature, because it has a long development time, national policy support, and a large number of blockchain projects, so in Singapore, there are some relatively perfect regulatory methods for blockchain projects. National policy support, blockchain projects numerous

At present, Singapore blockchain project compliance can apply to do legal opinions. Its function is similar to that of financial licences in other countries. It is a kind of legal regulation. The purpose is to be responsible for investors, but also to make the project itself more perfect, of course, for the project itself is also a good thing, equivalent to a kind of packaging, more formal.

目前新加坡区块链项目合规可申请做法律意见书，它的作用和其他国家的金融牌照类似，都属于一种法律上的监管

美国MSB牌照由FinCEN（财政部下设的金融犯罪执法局）监管并颁发，属于一类金融牌照，在美国51个州受认可和通用。除了少数例外，美国的所有货币服务业务必须每两年在FinCEN更新其MSB许可证。申请美国MSB牌照需在美国注册公司，公司名称不得重名。

2013年3月，FinCEN发布的《FinCEN规则适用人员管理，交换或使用虚拟货币指南》指出，向美国公民提供服务的加密资产「管理方」（如资产发行方）和「兑换方」（如交易所）属于美国银行保密法案（BSA）下的MSB，需要在FinCEN申请MSB牌照。

At present, Singapore's blockchain project compliance can apply for legal opinions, and its role is similar to that of financial licenses in other countries, which belong to a legal supervision

The U.S. MSB license is regulated and issued by FinCEN (Financial Crimes Enforcement Bureau under the Department of the Treasury), which is a class of financial licenses recognized and commonly used in 51 states. With few exceptions, all money services businesses in the United States must renew their MSB license with FinCEN every two years. To apply for an MSB license in the United States, the company must be registered in the United States, and the company name must not be the same.

In March 2013, FinCEN's Guidelines for the Administration, Exchange, or Use of Virtual Currencies by Persons Applicable to the FinCEN Rules stated that crypto asset "managers" (such as asset issuers) and "exchangers" (such as exchanges) that provide services to U.S. citizens fall under the MSB under the U.S. Bank Secrecy Act (BSA). You need to apply for an MSB license at FinCEN.

2018年3月，美国财政部和证券交易委员会（SEC）再次强调，加密货币交易所及其管理者在美国境内从事加密资产相关业务，必须在FinCEN注册MSB牌照。   

由于美国联邦政府层面当前对币币交易没有其他明确监管要求，而MSB牌照有着本土和海外的合法性，因此，美国本土交易所如Bitfinex、Poloniex，以及我们熟知的币安、OKX、hopoo都持有美国MSB牌照。

加拿大MSB牌照又称FTR牌照、MM全牌，属于该国AA类牌照，由加拿大金融交易和报告分析中心（FINTRAC）监管和颁发，与美国MSB的监管大同小异。

根据加拿大《犯罪所得（洗Q）和恐怖主义融资法案》，从事货币服务领域的企业必须在FINTRAC注册MSB牌照。自2020年6月1日起，外国货币服务企业（为加拿大个人/实体提供直接服务，或向位于加拿大的客户提供服务）也必须在FINTRAC注册MSB牌照。注册时需要提供各种KYC文件，例如公司信息、企业所有者和高管人员的个人详细信息、员工人数、银行账户信息等。对于外国企业，还要进行警方记录检查，并提交加拿大代表的姓名和地址。

最初，加拿大MSB覆盖的经营范围包括外汇交易、资金支付、兑换或出售汇票等三项，2020年6月1日起，新增的第四项Dealing in virtual currency（虚拟货币交易）正式纳入MSB的监管范围。

目前，Coinbase等平台都持有加拿大MSB牌照。其中，silk交易所是同时持有美国FinCEN和加拿大FINTRAC“双MSB”的交易所。

当前，各国针对加密货币领域的监管政策虽有差异，但加强监管力度、提高行业准入、保护投资者权益是主流趋势。为此，很多国家都对加密市场进行持牌管理，以确保行业规范健康发展。

对于加密交易所而言，牌照则是其进入主流金融体系，在监管框架下合规化发展的「生死符」。在明确出台监管政策的国家或地区，一家交易所获得牌照即意味着它处于当地监管之下，可以合法经营加密货币业务，资产与信息安全受到较高保障。

而牌照的质量与数量也反映出一家交易所的综合实力，以及愿意为未来投入的信心与决心，对交易所提升品牌、巩固用户信心具有重要作用。

silk交易所作为一家布局全球市场、致力长远发展的加密交易所，始终坚持全球合规化运营，除了已获得美国MSB、加拿大MSB牌照，正在申请澳大利亚DCE、香港等监管牌照。

AUSTRAC（澳大利亚交易报告和分析中心）依法享有对加密交易所交易各种加密货币的监管权力。DCE（Digital Currency Exchange Service Provider）许可是由澳大利亚AUSTRAC监管并颁发的金融许可，主要面向加密货币交易服务提供者，包括交易所和OTC等相关业务。      

严格监管的国家对交易所的合规考察主要体现在两个方面：一是底层技术，涉及服务器、数据、钱包等；二是业务层，涉及KYC、风控等。这意味着，具有含金量的合规牌照对交易所的技术与风控投入有很高的要求，而这种投入成本是很多中小平台无法承受或不愿承受的。

In March 2018, the U.S. Department of the Treasury and the Securities and Exchange Commission (SEC) reiterated that cryptocurrency exchanges and their managers engaged in crypto-asset-related business within the United States must register an MSB license with FinCEN.

Since there are currently no other clear regulatory requirements for bitcoin trading at the federal government level in the United States, and the MSB license has local and overseas legitimacy, US local exchanges such as Bitfinex, Poloniex, and we are familiar with Binance, OKX, hopoo all hold US MSB licenses.

The Canadian MSB license, also known as FTR license and MM full license, belongs to the country's AA class license, which is regulated and issued by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), and the supervision of the United States MSB is much the same.

Under Canada's Proceeds of Crime (Laundered) and Terrorist Financing Act, businesses engaged in the monetary services sector must register an MSB license with FINTRAC. Effective June 1, 2020, foreign money services businesses (which provide direct services to Canadian individuals/entities, or provide services to customers located in Canada) must also register for an MSB license with FINTRAC. Various KYC documents are required for registration, such as company information, personal details of business owners and executives, number of employees, bank account information, etc. For foreign businesses, a police records check is also conducted and the name and address of the Canadian representative is submitted.

Initially, the business scope covered by the Canadian MSB includes foreign exchange trading, fund payment, exchange or sale of bills of exchange, etc., and from June 1, 2020, the fourth new Dealing in virtual currency (virtual currency trading) is officially included in the regulatory scope of the MSB.

Currently, platforms such as Coinbase hold Canadian MSB licenses. Among them, silk Exchange is an exchange that simultaneously holds the "dual MSB" of the U.S. FinCEN and the Canadian FINTRAC.

At present, although there are differences in the regulatory policies of various countries in the field of cryptocurrency, strengthening supervision, improving industry access, and protecting investors' rights and interests are mainstream trends. To this end, many countries have licensed the crypto market to ensure the healthy development of industry norms.

For crypto exchanges, the license is a "life and death symbol" for them to enter the mainstream financial system and develop in compliance under the regulatory framework. In countries or regions with clear regulatory policies, a license for an exchange means that it is under local supervision, can legally operate cryptocurrency business, and asset and information security are highly protected.

The quality and quantity of licenses also reflect the comprehensive strength of an exchange, as well as the confidence and determination to invest in the future, which plays an important role in enhancing the brand of the exchange and consolidating the confidence of users.

silk Exchange as a global market layout, committed to long-term development of the crypto exchange, always adhere to global compliance operations, in addition to the United States has obtained MSB, Canada MSB license, is applying for Australia DCE, Hong Kong and other regulatory licenses.

AUSTRAC (Australian Transaction Reporting and Analysis Centre) has regulatory powers over the trading of various cryptocurrencies by crypto exchanges. The Digital Currency Exchange Service Provider (DCE) license is a financial license regulated and issued by AUSTRAC, Australia, mainly for cryptocurrency trading service providers, including exchanges and OTC related businesses.

The compliance inspection of exchanges in strictly regulated countries is mainly reflected in two aspects: first, the underlying technology, involving servers, data, wallets, etc.; The second is the business layer, involving KYC, risk control and so on. This means that compliance licenses with gold content have high requirements for exchanges' technology and risk control investment, which many small and medium-sized platforms cannot afford or are unwilling to bear.

有市场分析人士指出，今年6月以来，加密行业进入多事之秋，多家主流机构暴雷，尤其是最近的FTX事件，势必引来各国对加密市场监管的升级。在此背景下，牌照对交易所的意义将进一步彰显，将拉开交易所们在用户量、地位等层面的差距，并逐渐改写现有交易所行业格局。

Some market analysts pointed out that since June this year, the crypto industry has entered a turbulent autumn, and a number of mainstream institutions have thundered, especially the recent FTX incident, which is bound to lead to the upgrading of the supervision of the crypto market in various countries. In this context, the significance of the license for the exchange will be further demonstrated, will open the gap between the exchanges in the number of users, status and other levels, and gradually rewrite the existing exchange industry pattern.

美国MSB牌照申请

尽职调查文件individual account

)申请人需要提供尽职调查文件

1、公司董事和股东的有效护照复印件;

2、美国公司信息:公司注册证书，公司章程等;

3、公司成立一年以上的良好信誉证明;

4、公司EIN税号;   

5、交流的简要概况:所提供的服务，经营状况

Us MSB license application

individual account of due diligence documents

Applicants are required to provide due diligence documents

1. Copies of valid passports of directors and shareholders of the company;

2, American company information: company registration certificate, articles of association, etc.;

3, the company established more than one year of good reputation certificate;

4. EIN tax ID of the company;

5, a brief overview of the exchange: the services provided, business status

申请工作包括company account

（二)MSB许可证申请工作包括:

1、MSB牌照的金融业务方案设计;

2、准备与撰写申请材料;

3、向美国财政部递交MSB牌照的申请;

4、申请过程中，负责回答由美国部门提出的问题----智汇咨询  

(b)MSB license application includes:

1. Financial business plan design for MSB license;

2. Prepare and write application materials;

3. Submit an application for an MSB license to the U.S. Treasury Department;

4. During the application process, I was responsible for answering the questions raised by the American department ----