TransCash
Global Licensing Infrastructure
for Financial Inclusion.
Patent-backed prepaid payroll and cross-border payment infrastructure designed for regulated markets and underserved communities. Licensed in 150+ countries. Established 2002. Headquartered in Beverly Hills.
A complete licensing stack for regulated payments operators.
Six institutional capabilities, delivered as a single program. Every licensee operates locally, supported globally by TransCash compliance, technology and partnerships teams.
White-label Programs
Issue branded card programs under your institution, fully operated on TransCash rails.
Learn moreTerritory Licensing
Exclusive country and regional rights with defined commercial and regulatory scope.
Learn moreBIN Sponsorship
Visa and Mastercard BIN sponsorship through our regulated issuing partners.
Learn moreAPI Infrastructure
ApolloA REST APIs, webhooks and SDKs for issuance, KYC, ledger and disputes.
Learn morePayroll Distribution Systems
Bulk disbursement engine for employer payroll, gig and government programs.
Learn moreRetail Cash Network Integration
Plug into agent and retail load networks for cash-in / cash-out coverage.
Learn moreLicensed. Compliant. Ready for deployment.
Licensed · Compliant · Ready for Deployment in 150+ Countries
An institutional-scale payments runway.
Licensees address remittance, payroll, gig and underbanked segments through a single regulated card and disbursement platform. The macro tailwinds compound annually.
1.4B
Underbanked adults worldwide
$860B+
Annual global remittance flows
$3.6T
Prepaid card volume by 2027
$5T
Global payroll disbursement TAM
Licensing revenue model
Upfront territory fee, recurring royalties, and revenue share on interchange, FX margin and load fees.
White-label deployment
Multiple branded programs per licensee, including consumer, payroll and government disbursement.
Payroll infrastructure
Bulk-funding ledger, employer dashboards and instant card issuance for distributed workforces.
How a TransCash licence is structured.
Territory Rights
Exclusive operating rights for a defined country or region.
White-label Programs
Branded prepaid and payroll programs delivered on TransCash rails.
Compliance Framework
AML / KYC playbooks aligned with FATF and local regulators.
BIN Sponsorship
Issuing-bank sponsorship across Visa and Mastercard schemes.
API Access
ApolloA platform, sandbox to production with SLA-backed uptime.
Revenue Sharing
Transparent splits on interchange, FX margin and load fees.
Built for regulated deployment.
Every licensee operates under the TransCash Compliance Manual and the standards of our issuing-bank partners. Independent annual audits, continuous monitoring and supervisory reporting are built into the program.
PCI-DSS L1
Tokenised PAN handling and card-data environment audited annually.
FinCEN MSB
Registered money services business under US federal supervision.
AML / KYC
FATF-aligned onboarding, sanctions screening and continuous monitoring.
ISO 27001
Information security management certified across infrastructure and people.
GDPR
Privacy-by-design data residency and subject-rights workflows.
Visa® / Mastercard®
Principal scheme membership through licensed issuing partners.
A new standard in migrant financial infrastructure.
The Belgian deployment illustrates how a single licensee captures payroll, remittance and FX value through TransCash's patented dual-card architecture and proprietary internal allocation engine.
The two-card solution.
Card 1
Belgian Payroll Card
Receives EUR salary from the local employer. Fully compliant with EU labour and tax regulation.
Card 2 · linked
Destination Card
Receives funds in the worker's destination country, in local currency, on the same Visa / Mastercard rails.
Eliminating remittance friction
Replaces slow, multi-intermediary chains with a controlled ecosystem that preserves value and reduces cost end-to-end.
Proprietary internal allocation engine
Real-time routing splits and delivers funds internally — capturing margin otherwise lost to third-party processors and correspondents.
€6.5B remittance market. Five revenue streams.
Addressable flow
€6.5B+
Annual remittance market
Migrants represent 34.5% of the population and send approximately 1.2% of GDP abroad annually.
Diversified yield
5
Revenue streams per licensee
- Interchange Fees
- Payroll Fees
- FX Margins
- Transaction Yields
- Value-Added Services
Projected ARR
€80–108M
Annual recurring revenue
Conservative adoption scenario of 250,000 workers with zero lending exposure.
Belgian migrant market snapshot
Begin your partnership review.
Licensee applications are reviewed by our partnerships and compliance teams. Submissions are retained for one year and matched against open territory needs.
Need the full multi-step application? Open the extended form
Established 2002
Two decades of regulated payments
Beverly Hills HQ
Global operations, US headquartered
US Patent 7,581,674 B2
Patented dual-card program
150+ Countries
Visa & Mastercard acceptance footprint
Money, reimagined
for a borderless life.
A regulated dual-card platform carried in over 150 countries. Speak with our team to learn more.