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WHAT TO EXPECT
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International fintechs are increasingly eyeing the US market. But the move to the US is structurally different from any other expansion; not harder, but different in ways that catch even experienced operators off guard.
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This webinar brings together a processor, a card network, and a BIN sponsor bank to give fintech leaders an honest, practical picture of what US market entry actually involves: why the compliance environment is more demanding than home markets, what the sponsor-bank model means in practice, and how fintechs can prepare before the process starts rather than scrambling once it has.
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The session draws on the content of Thredd's updated Launching in America whitepaper, bringing its core themes to life through a panel conversation that combines infrastructure expertise (Thredd), network-level perspective (Mastercard), and first-hand bank underwriting experience (Cross River).
KEY TAKE-AWAYS
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In the US, your BIN sponsor is the regulated entity; not you.
This single structural difference shapes every compliance, documentation, and operational requirement associated with launching a US card programme. Fintechs that don't internalise this early build the wrong things.
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Your existing compliance programme won't transfer.
Experienced fintechs from the UK, Europe, and APAC consistently underestimate how different US regulatory expectations are in practice, not just in theory. KYC/AML standards, fund flow structures, and state-level obligations all require a US-specific approach, not a ported version of what already exists.
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The time to prepare is before you think you need to.
Typical US launch timelines run six to twelve months. The most common cause of delay is not technical complexity, it is arriving at the BIN sponsor relationship without the compliance documentation, fund flow design, or operational readiness the bank requires on day one
THE WEBINAR PANEL
This Webinar is in Partnership with
Thredd is the AI-first issuer processing platform: the only modern processor that combines commercial-grade debit, credit, and value-added services in a single, composable architecture built for global scale. We process over 3.5 billion transactions annually for 130+ clients across 50+ countries — from the fintechs that built the digital banking revolution to the embedded finance platforms and banks building what comes next.
What sets us apart isn't just the platform, it's how we show up. We put payments experts on the ground in every market we operate in, people who understand scheme rules, local regulatory complexity, and the operational reality of running a card programme at scale. Because payments is more than an API.
Whether you're launching your first card programme, adding credit to an existing product, or expanding across borders, Thredd is built to grow with you; one platform, one integration, no rebuilding.
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