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Making Money with an Offshore Money Transmission License

Making Money with an Offshore Money Transmission License


An old saying is that it takes money to make money. In the case of an offshore money transmission business an individual or corporation makes money by sending someone else's money. A license to operate internationally as a money transmission service can be obtained from a number of offshore jurisdictions. The virtually universal restriction is that the business not operate in the host nation. That leaves the rest of the world for making money with an offshore money transmission business.

The Nature and Scope of an Offshore Money Transmission Business

The potential scope of a money transmission business is huge. Just one large company moving money internationally transmits roughly $5 Billion USD a year. There are many companies and a whole wide world to operate in making this a potentially very lucrative business.

The potential customers for an offshore money transmission business include a billion persons around the globe who will send no more than a few hundred dollars, paying around $5 for the service. Clients may pay more for same day service and the offshore money transmission services company will set the exchange rate for all transactions.

Often times it is the expatriate worker who is sending money back to his family who will use the business. Many workers spend months if not years "overseas" in order to build a better life for themselves and their families. The trip to the money transmission service with every paycheck becomes a ritual and fact of life. A company providing good service, decent exchange rates, and competitive rates could build a dedicated clientele in many countries throughout the entire world.

The wealthy, especially in first world countries, will typically use bank transfers. This is typically not the case throughout much of the world. The net worth of workers, home owners, and business people throughout the Third World has been reliably estimated at over $10 Trillion USD. This is obviously a huge asset pool of which cash is transferred every hour of every business day in time zones around the world. Making money with an offshore money transmission license is a distinct possibility with a little business planning, setting up in the most advantageous offshore jurisdiction, and properly integrating the money transmission company into a comprehensive offshore solution that provides asset protection and asset privacy.

A Little Foresight and Planning Will Go a Long Way in an Offshore Money Transmission Business

An individual or corporation wishing to obtain an offshore money transmission license as start business will need competent advice and an agent to deal with applications and the like. The principals in setting up the business should be careful in two respects.

Picking an Agent

First, it is wise to deal with an independent agent and not someone who is an employee or agent of an offshore bank or legal service. All too often such an individual or company will "steer" clients in the direction of his or her employer or partner without consideration of the benefits of other providers of necessary services and other jurisdictions.

The second issue is one of jurisdictions. Working with someone who works with more than one jurisdiction is wise as not all offshore legal vehicles are equal in all offshore jurisdictions. For example, a somewhat complicated but sometimes necessary offshore solution might involve banking with a offshore financial institution in New Zealand, setting up the money trans mission service in Belize under a Belize corporation as an asset of a Panama Private Interest Foundation. At time a New Zealand trust may also be part of the picture.

The point of this is not the apparent complication but the fact that different individuals and different corporations have unique requirements. Good advice when setting up is not to limit the options by choosing a limited agent.

Choosing a Jurisdiction

Not all offshore jurisdictions provide the same opportunities in all offshore asset protection and business vehicles. Once an individual or corporation has chosen an agent it is wise to spend some time and effort choosing the jurisdiction for the offshore money transmission business first. Then it will be wise to consider the overall business and setup and "offshore solution." If those involved wish to take full advantage of the asset protection and privacy features of an offshore business then it will be best to decide upon corporations, foundations, trusts, and banking when starting the business. Typically in offshore solutions a business is owned and operated by a corporation which is commonly an asset of a trust or foundation. Depending upon individual requirements the structure of such a set up will vary but should be dealt with as a first priority.

Once the structure is decided then picking the jurisdiction may turn into picking jurisdictions. There is nothing that will prevent the business owners from setting up an overall offshore solution that most effectively meets their needs be it in one or several offshore jurisdictions.

Applying and Getting a License

One of the two most important parts of setting up an offshore money transmission business is done when the first decisions are made. Although applications are typically lengthy they are not all that complicated. The overall cost of setting up such a business will typically run about $27,000 and yearly expenses including license renew will usually run around $12,500 in most offshore jurisdictions.

Setting up and Running the Business

The more experience the individual or corporation has in a money transmission business in their home country the easier it will be to start up offshore. However, using a competent advisor and agent will help with details that vary from what the business operators are used to. Having picked the optimal jurisdiction the business will have minimized operating costs, paperwork, and tax consequences. Depending upon the jurisdiction there may be a requirement for hiring local personnel. However, in the vast majority of offshore jurisdictions salaries are a significantly lower expense than in the owner's home country. A competent agent will typically be able to help with outsourcing for skilled services including accounting, internet-web site set up and operation, and other computer or technical needs. Then the principals will be ready to start making money with their offshore money transmission license.

http://www.articlesbase.com/business-opportunities-articles/making-money-with-an-offshore-money-transmission-license-2808665.html
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