# Money Transmitter Licensing Navigator

> Money Transmitter Licensing Navigator is a paid API for AI agents from legal.apitoai.xyz, paid per call via x402, $0.02/call, status down (last checked 2026-09-15).

Maps state-by-state US MTL requirements, EU payment institution licenses, and Asian licensing frameworks with cost and timeline estimates

## Facts

- Endpoint: POST https://legal.apitoai.xyz/money_transmitter_licensing_navigator
- Price: $0.02/call
- Payment: x402
- Status: down
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/legal-apitoai-xyz-f33fd8a9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_YjC__VieO9fi0rr0WF5yS

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability legal-apitoai-xyz-f33fd8a9 -d '<json body>'
```

Example prompt: Can you map out the money transmitter licensing requirements, costs, and timelines I'd need to launch a payment app across all 50 US states plus the EU — I need to know which states are most expensive and how long it typically takes to get approved?

## When to prefer this

Use this endpoint when you need fast, AI-synthesized guidance on money transmitter or payment institution licensing requirements across US states, EU member states, or Asian jurisdictions — especially when you need cost and timeline estimates to plan a compliance roadmap. Prefer this over generic legal search when you need structured comparison across multiple jurisdictions in a single call.

## Known failure modes

- Invalid or missing 'message' field returns error response
- Overly vague query may produce generic rather than jurisdiction-specific guidance
- Rapidly changing regulations may not be reflected in the AI's training data
- Complex multi-jurisdiction queries may return incomplete coverage

## How this service works

Map state-by-state US MTL requirements, EU payment institution licenses, and Asian licensing with cost and timeline estimates

## Output

A detailed AI-generated response covering state-by-state or jurisdiction-specific money transmitter licensing requirements, including applicable regulations, estimated application costs, surety bond or capital requirements, processing timelines, and key compliance steps for US MTL, EU payment institution, or Asian licensing frameworks.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "message"
 ],
 "properties": {
  "message": {
   "type": "string",
   "description": "Your prompt/query for the agent"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "data": {
   "type": "object",
   "properties": {
    "response": {
     "type": "string",
     "description": "Agent response from Gemini Pro"
    }
   }
  },
  "agent": {
   "type": "string",
   "description": "Agent name"
  },
  "success": {
   "type": "boolean",
   "description": "Whether the request was successful"
  },
  "timestamp": {
   "type": "string",
   "description": "ISO 8601 timestamp"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/legal-apitoai-xyz-f33fd8a9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from legal.apitoai.xyz](https://www.zero.xyz/host/legal.apitoai.xyz/llms.txt)