Fintech
MSO Licence Overview

Hong Kong's MSO Licence applies to specific types of money service business. We help assess application feasibility and prepare the relevant application materials, based on each client's business model, ownership structure, and operational arrangements. 

Hong Kong remains a major hub for financial innovation and services globally, attracting enterprises from around the world. The Money Service Operator (MSO) License is a statutory license in Hong Kong and a key part of this landscape — mandatory for any entity conducting currency exchange, remittance, or virtual currency transactions. It is issued and regulated by the Customs and Excise Department (C&ED) under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO) (Cap. 615), ensuring businesses operate within a framework designed to prevent money laundering and terrorist financing.


MSO License
Applicable Businesses
  • International Remittance

  • Cross-Border Payment

  • Foreign Exchange

  • B2B Trade Settlement

  • Remittance Services

  • Payment Institution Structuring

Suitable Clients
  • Payment Companies

  • Remittance Platforms

  • Cross-Border E-commerce Payments

  • Fintech Startups

  • Overseas Payment Institutions Entering the Asian Market

Application Requirements
  • Hong Kong Registered Company

  • Hong Kong Office

  • Fit and Proper Directors and Shareholders

  • AML/CFT Compliance Framework

  • Appointed MLRO and Compliance Officer

Scope of Services
  • Licence Feasibility Assessment

  • Corporate Structuring

  • Application Documentation Preparation

  • AML/CFT Framework Development

  • Regulatory Liaison

  • Ongoing Compliance Outsourcing Services