PTX Exchange

Licenses & Registrations

Who we are, who moves your money, and the documents that back both. Every registration number on this page can be verified independently with the issuing authority.

Last updated: September 13, 2026

The company

PTX Exchange is the trading name of SEND US MONEY LLC, which also does business as PTX and PTX Group. The company is registered with the Financial Crimes Enforcement Network (FinCEN), a bureau of the U.S. Department of the Treasury, as a Money Services Business conducting money transmitter activity.

Legal entity: SEND US MONEY LLC
Doing business as: PTX · PTX Exchange · PTX Group
FinCEN MSB registration: 31000320793963
Registration type: Initial registration
Registered activity: Money transmitter
Registration date: January 21, 2026
Registered address: 16192 Coastal Highway, Lewes, DE 19958

How your transfer is processed

PTX Exchange operates the app and the customer relationship. The regulated movement of funds is carried out by our processing partner, Cybrid Inc., which maintains a custodial arrangement with Cross River Bank. Your money sits with the bank, not with us.

Where your money is at each step of a transfer.

Processing partner

Entity: Cybrid Inc.
FinCEN MSB registration: 31000246961737
Canadian registration: M22090386
Role: Processes transfers under a custodial arrangement with Cross River Bank

Partner bank

Institution: Cross River Bank
FDIC certificate: 58410
FDIC insured since: June 23, 2008
Charter: State chartered bank, not a member of the Federal Reserve System
Primary federal regulator: Federal Deposit Insurance Corporation
Headquarters: 2115 Linwood Ave, Fort Lee, NJ 07024

Customer funds are held in FBO (for benefit of) accounts and are never commingled with Cybrid's own funds or with the funds of other customers.

What these registrations mean — and what they don't

FinCEN registration is not a license

Registration with FinCEN is a federal filing requirement for money services businesses. It is not a license, and it is not an endorsement, approval or recommendation of PTX Exchange by FinCEN or by any other government agency.

FDIC insurance covers bank deposits, not your transfer

Cross River Bank is FDIC insured. FDIC deposit insurance applies to the insured deposits held at the bank, subject to FDIC rules and limits. It does not protect against exchange-rate movements, and it is not insurance on a money transfer.

Supporting documents

The documents behind every claim on this page, available to download and verify.

FinCEN MSB RegistrationFinCENRegistration Status Information transcript for SEND US MONEY LLC, showing registration number 31000320793963. Issued by the Financial Crimes Enforcement Network.
Cybrid Compliance LetterCybrid Inc.Letter from Cybrid Inc. to Send Us Money LLC dated June 10, 2026, confirming the compliance controls and custodial arrangement supporting our transfers.
Cybrid & Cross River BankCybrid Inc.Letter from Cybrid Inc. dated August 28, 2025, describing its FinCEN registration and its relationship with Cross River Bank.
FDIC Institution RecordFDICFDIC BankFind record for Cross River Bank, FDIC Certificate #58410, showing its insured status and primary federal regulator.

Verify it yourself

You do not have to take our word for any of this. FinCEN publishes a searchable list of registered money services businesses, and the FDIC publishes BankFind. Search for SEND US MONEY LLC and Cybrid Inc. in the FinCEN MSB Registrant Search, and for Cross River Bank in FDIC BankFind.

Compliance and regulatory inquiries

SEND US MONEY LLC (DBA PTX Exchange)

16192 Coastal Highway, Lewes, DE 19958

support@ptxexchange.com

Regulators, banking partners and platform compliance teams can write to the address above and we will respond with any additional documentation required.