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Faizal Khan, a banking and payment consultant, explains the process of obtaining a money transmitter license in the United States. Each state has its own license, totaling fifty-five in the country, along with four additional licenses for territories. To obtain a license, you must apply for each one separately, which can be costly due to the required paid-up capital. It is necessary for businesses classified as a money services business to hold a money transmitter license in order to operate legally in the United States.