Guam (GU)
Money transmission and virtual currency licensing planning data for Guam. US territory.
Population weight (planning): 0.04% · Back to matrix · Launch map
How to read this page: confirmed cells are checked against a primary regulatory source and dated. Under review marks a cell where primary sources conflict or a figure awaits confirmation.
MTL required
Limited. 11 GCA section 109102 requires a Foreign Exchange License for receiving money for transmission, expressly including transmission within the United States, so the fiat leg is covered. The chapter is silent on virtual currency, so the exchange leg's status is unaddressed rather than clearly resolved either way.
Verified 2026-07-16. Source
Fiat treatment
Receiving money for transmission, whether to a foreign country or within the United States by an instrument or order drawn on the recipient, is licensed activity requiring a Foreign Exchange License from the Commissioner of Banking and Insurance, 11 GCA section 109102.
Verified 2026-07-16. Source
Virtual currency treatment
Not located in primary sources. Chapter 109 (Foreign Exchange) does not define or mention virtual currency, cryptocurrency or digital assets, and no Commissioner guidance comparable to Puerto Rico's or the Virgin Islands' crypto circulars was found.
Verified 2026-07-16. Source · under review
Regulator
Guam Department of Revenue and Taxation, Regulatory Division, Insurance, Securities, Banking and Real Estate Branch (ISBRE), under the Commissioner of Banking and Insurance.
Verified 2026-07-16. Source
NMLS / portal
Not on NMLS for this licence. Applications are made directly to the Department of Revenue and Taxation using paper forms (FX series); NMLS's ESB adoption listing for Guam covers only its mortgage licence types.
Verified 2026-07-16. Source · under review
MTMA adoption
none: not tracked by CSBS; this jurisdiction operates its own regime.
Verified 2026-07-16. Source
Launch posture
amber: The fiat leg clearly needs a Foreign Exchange License with a modest fixed bond, but the statute and public guidance are silent on virtual currency, leaving.
Verified 2026-07-16. Source
Net worth / capital (locked)
Net worth / capital is included with access.Permissible investments (locked)
Permissible investments is included with access.Exam / audit timeline (locked)
Exam / audit timeline is included with access.Practitioner notes (locked)
Practitioner notes is included with access.Under the planning scenario
LicenceMap's bond and net worth figures use one scenario throughout: a virtual currency exchange with a fiat on and off ramp, $50m in annual US transmission volume, $2m in average daily outstanding liability, and a single principal office.
Surety bond: Surety bond is included with access.
Net worth / capital: Net worth / capital is included with access.