# Money services

URL: /systems/legal-and-corporate/floor/money-services · Id: `floorRow:money-services`

> Money services moves funds only through the payments rail; a Startup that transmits money, issues stored value, or lends needs a licensed upstream.

Money services moves funds only through the payments rail; a [Startup](/business/nouns/startup) that transmits money, issues stored value, or lends needs a licensed upstream.

| Property | Value |
| --- | --- |
| Wakes | An Offer holds, moves, exchanges, or lends money for others. |
| Process | [Screening](/workflows/processes/screening) |
| Signs | [Legal Lead](/agents/legal/legal-lead), [Legal Team](/agents/legal) |
| Sources | 31 U.S.C. 5330 and 31 CFR 1010.100(ff); state money transmitter acts; state lending licence laws |