Building the Infrastructure ofModern Finance
Original Technologies is a U.S.-licensed Fintech Bank providing global payment infrastructure, digital banking solutions, and compliance-driven financial technology for the next generation of financial institutions, fintechs, and global businesses.
About Original Technologies
Original Technologies, Inc. ("Original") is a U.S.-registered Money Services Business (MSB) regulated by the Financial Crimes Enforcement Network (FinCEN) and applicable U.S. state authorities.
We specialize in core banking software, card issuing, card acquiring, and Banking-as-a-Service (BaaS) infrastructure—enabling fintechs, enterprises, and financial institutions to build and scale compliant financial products worldwide.
Our systems integrate FinCEN, OFAC, and BSA/AML compliance with modern API-based architecture to deliver secure, scalable, and regulator-ready financial technology.
Our Capabilities
Comprehensive financial infrastructure solutions designed for modern businesses and financial institutions
Global USD Accounts
U.S.-domiciled business accounts with dedicated account numbers (ACH, Fedwire). Multi-currency, SWIFT, and cross-border capabilities coming soon.
- Dedicated account numbers (ACH, Fedwire)
- FBO (For-Benefit-Of) structures for fintech platforms
- USD accounts through Lead Bank and JPMorgan Chase Bank, N.A.
Core Banking Software
Real-time ledgering and reconciliation with integrated risk and compliance monitoring.
- Real-time ledgering and reconciliation
- Role-based access and audit logs
- Integrated risk and compliance monitoring
- Full API integration with card and payment networks
Card Issuing
Virtual and physical Visa/Mastercard card programs with comprehensive fraud protection.
- Virtual and physical Visa/Mastercard programs
- BIN sponsorship through Fifth Third Bank
- Tokenization (Apple Pay / Google Pay)
- Real-time fraud detection and KYC integration
Card Acquiring
PCI DSS Level 1 compliant payment processing with automated merchant management.
- Payment acquiring through Cross River Bank
- PCI DSS Level 1 compliant processing
- Merchant onboarding and KYB automation
- Chargeback protection and management
Banking-as-a-Service (BaaS)
White-label APIs for account, card, and payment services with full compliance framework.
- White-label APIs for all banking services
- Real-time onboarding and compliance automation
- Customizable dashboards for fintechs
- Full compliance and audit framework
Business Account Opening
Streamlined digital onboarding for U.S. and global entities with comprehensive verification.
- Streamlined digital onboarding
- Beneficial ownership verification (KYB/CDD/EDD)
- ACH, wire, and card payment integrations
- Multi-entity and multi-currency support
Partner Banks & Payment Networks
Original Technologies works with regulated, FDIC-insured U.S. financial institutions to deliver compliant and scalable global banking solutions.
Fifth Third Bank
Card Issuing Partner
FDIC-insured bank providing card issuing services
Cross River Bank
Card Acquiring Partner
FDIC-insured bank providing payment acquiring services
Lead Bank
USD Banking Partner
FDIC-insured bank providing USD account services
JPMorgan Chase Bank, N.A.
USD Banking Partner
FDIC-insured bank providing USD account services
Important Disclosure
Original Technologies, Inc. is a financial technology provider and FinCEN-registered MSB. It is not a chartered bank. The following services are provided through regulated U.S. financial institutions:
- Card Issuing – provided by Fifth Third Bank, Member FDIC
- Card Acquiring – provided by Cross River Bank, Member FDIC
- USD Bank Accounts – provided by Lead Bank and JPMorgan Chase Bank, N.A., Members FDIC
Legal & Regulatory Information
Comprehensive compliance and regulatory framework ensuring secure and compliant financial services
MSB Registration
Original Technologies, Inc. is a U.S. Money Services Business (MSB) registered with the Financial Crimes Enforcement Network (FinCEN) under Registration No. [Insert Number], pursuant to the Bank Secrecy Act (31 CFR §1022.380).
Registered Entity
Original Technologies, Inc.
Jurisdiction
Montana, United States
Principal Office
[Insert HQ Address]
MSB Activities
Money Transmission, Stored Value, Payment Instruments, Foreign Exchange
Compliance Framework
FinCEN Compliance
Full compliance with Financial Crimes Enforcement Network regulations
OFAC Screening
Office of Foreign Assets Control sanctions screening
BSA/AML Programs
Bank Secrecy Act and Anti-Money Laundering compliance
State Licensing
Licensed under applicable U.S. state authorities
Legal Disclaimer
Original Technologies, Inc. is a financial technology provider and FinCEN-registered MSB. It is not a chartered bank. Banking and card programs are provided through partner financial institutions that are FDIC-insured and licensed under applicable U.S. banking laws.
Funds held in accounts at partner banks may be eligible for FDIC insurance coverage, subject to applicable program structures and terms.
Original Technologies does not offer loans, investment products, or securities services unless separately licensed.
Get Started Today
Ready to transform your financial infrastructure? Contact us to learn more about our solutions.