CROSS-BORDER PAYMENT INFRASTRUCTURE · MIAMI, FLORIDA
International payments
for importers.
In USD or digital assets.
Cloud Excel LLC is a Money Services Business headquartered in Miami, Florida, dedicated to executing international transfers for companies that settle invoices in China and other Asian markets — with U.S. banking infrastructure and a compliance program aligned with BSA/AML standards.
A structure designed for corporate treasuries.
Cloud Excel serves legal entities exclusively. Our services are tailored to the risk profile and operational requirements of companies engaged in international trade.
U.S. Jurisdiction
Cloud Excel LLC is a Florida (U.S.) limited liability company, headquartered in Miami and operating under the U.S. regulatory framework applicable to Money Services Businesses.
Registered and Licensed
Money Services Business registered with the Financial Crimes Enforcement Network (FinCEN) of the U.S. Department of the Treasury.
FinCEN MSB Reg. #: [PLACEHOLDER]
Fiat & Digital Assets
We accept funding in USD via wire transfer or in U.S.-dollar backed stablecoins (USDT), as specified in the service agreement. Payment to the final beneficiary is executed in fiat currency through traditional banking channels.
Swift Execution
Target processing window of same business day (D+0) or next business day (D+1), starting from confirmed receipt of funds and completion of compliance checks. Actual timing depends on the beneficiary bank, correspondent routing, and the outcome of regulatory screening.
Two flows. One infrastructure.
Cloud Excel acts as principal in every transaction — we receive the client's funds and execute the payment in our own name to the designated beneficiary. We do not act as the payer's agent, the recipient's agent, or as fiduciary for any party.
Crypto-Funded International Payments
Settle international invoices using U.S.-dollar backed stablecoins (USDT) as the funding source.
How it works:
- 1Client sends USDT to Cloud Excel's operational wallet, as specified in the service agreement
- 2Conversion to USD through institutional liquidity partners
- 3Execution of the international transfer (FedWire / SWIFT) to the beneficiary, via Cloud Excel's U.S. correspondent banks
- 4Confirmation and formal receipt delivered to the client
Ideal for: Importers with treasuries denominated in digital assets who need to settle suppliers in fiat currency.
Fiat-to-Digital Settlement
Convert USD wires into U.S.-dollar backed stablecoins.
How it works:
- 1Client sends a USD wire to Cloud Excel's operational account at a U.S. correspondent bank
- 2Conversion to USDT through institutional liquidity partners
- 3Delivery of digital assets to the wallet designated by the client
- 4On-chain traceability and formal receipt made available
Ideal for: Companies that need to settle with counterparties operating in stablecoins, or to diversify their corporate treasury.
Cloud Excel does not offer custody, trading, investment, yield products, banking services, cards, credit, or insurance. We are not a bank. Funds received for transmission are not deposits and are not insured by the FDIC, NCUA, or SIPC.
An institutional process, from first contact to settlement.
From initial onboarding to the execution of the international payment, each step is conducted with the BSA, AML, and Enhanced Due Diligence controls expected of a U.S. Money Services Business.
Introduction & Assessment
We discuss your flow, volumes, and payment corridors to assess compatibility with Cloud Excel's service model.
Corporate Onboarding (KYB)
Collection of corporate documentation, identification of beneficial owners, and initial compliance screening (OFAC, PEP, adverse media).
Contracting
Execution of the Service Agreement, definition of the operational envelope, and account activation. Cloud Excel reserves the right to decline any client at its sole discretion.
Payment Execution
Client funds the transaction in USD or USDT. Cloud Excel executes the international transfer to the beneficiary through U.S. correspondent banks (FedWire / SWIFT).
Confirmation & Record
A formal receipt is delivered to the client after settlement, with regulatory record retention in accordance with 31 CFR § 1010.430 (minimum of 5 years).
Why companies choose Cloud Excel.
Compliance as a foundation
Formal in-house Bank Secrecy Act and Anti-Money Laundering program, including Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) for cross-border corridors, continuous OFAC screening, and transaction monitoring, in line with 31 CFR Part 1022.
U.S. jurisdiction and domestic banking infrastructure
Florida-incorporated company registered with FinCEN. Payments executed through U.S. correspondent banks, with access to FedWire and SWIFT.
Focused on corporate treasury
Services available exclusively to qualified legal entities engaged in bona-fide international trade. We do not open accounts for individuals or retail customers.
Principal model — regulatory clarity
Cloud Excel acts on its own behalf in every transaction. This simplifies the regulatory chain, protects the client, and eliminates the ambiguities typical of agency models.
Funding flexibility
Funding in USD via wire or in U.S.-dollar backed stablecoins (USDT), as specified in the service agreement. Payment to the beneficiary is always executed in fiat currency.
Service in four languages
Team based in Doral, Miami, offering service in English, Portuguese, Spanish, and Mandarin.
Regulation, Security, and Transparency.
Cloud Excel LLC operates under the U.S. regulatory framework applicable to Money Services Businesses. Our compliance program is formally documented, auditable, and subject to periodic independent review.
FinCEN MSB Registration
Registered Money Services Business with the Financial Crimes Enforcement Network, an agency of the U.S. Department of the Treasury.
MSB Registration #: [PLACEHOLDER]
Verify on the FinCEN MSB Registrant Search ↗BSA/AML Program
Formal program documented in accordance with 31 CFR Part 1022, covering CIP, CDD, EDD, OFAC screening, Travel Rule (31 CFR § 1010.410(f)), transaction monitoring, SAR/CTR reporting, and independent testing.
Sanctions Compliance
Cloud Excel fully complies with the economic sanctions administered by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), as well as the applicable UN, EU, and UK sanctions regimes.
Cloud Excel does not accept or process payments involving: Cuba, Iran, North Korea, Syria, the Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhia regions (Ukraine), or any person or entity listed on the OFAC Specially Designated Nationals (SDN) List, Sectoral Sanctions Identifications (SSI) List, or any other blocking list applicable under U.S. law. Transactions involving the Russian Federation, Belarus, Venezuela, or Myanmar are subject to additional restrictions and may be declined.
Enhanced Due Diligence (EDD)
Cloud Excel applies risk-based Enhanced Due Diligence, in line with 31 CFR § 1010.610 and FATF guidance, to transactions involving higher-risk jurisdictions, Politically Exposed Persons (PEPs), their immediate family and known close associates, and cross-border corridors under heightened regulatory scrutiny. Clients may be required to provide additional documentation regarding source of funds, source of wealth, ultimate beneficial ownership, and the economic purpose of each transaction.
Foreign Corrupt Practices Act
Cloud Excel maintains a formal compliance policy under the Foreign Corrupt Practices Act (15 U.S.C. §§ 78dd-1 et seq.) and the UK Bribery Act. Transactions involving foreign government officials, state-owned enterprises, or suspected facilitation payments are escalated for review and may be declined.
Availability
Money transmission in the United States is regulated on a state-by-state basis. In its initial phase, Cloud Excel serves legal entities located in the State of Florida and non-U.S. business clients.
U.S. clients
Cloud Excel serves legal entities located exclusively in the State of Florida. Additional state licenses will be sought in subsequent phases as we expand service.
International clients
We serve foreign legal entities from Brazil, Paraguay, China, and other countries not subject to comprehensive OFAC sanctions, subject to our Enhanced Due Diligence policy.
Beneficiaries & suppliers
International payments are executed to beneficiaries in any non-sanctioned jurisdiction, subject to OFAC, UN, EU, and UK controls applicable to the transaction.
Let's talk.
Cloud Excel serves legal entities exclusively. To discuss your payment flow and assess compatibility with our service model, contact our Miami team directly.
Cloud Excel LLC
Miami, FL 33122
United States
Notice to Florida Customers
If you have a complaint, please contact Cloud Excel first at contact@cloud-excel.com. If we cannot resolve the complaint, you may contact the regulator: Florida Office of Financial Regulation, 200 East Gaines Street, Tallahassee, FL 32399-0376. +1 (850) 487-9687.