{ "jurisdiction_id": "US-WA", "jurisdiction": "United States – Washington", "url": "https://payments.gi/jurisdictions/united-states-washington/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 58, "source_register": 154 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-washington/#w1a-licensing-authorisation-market-access", "standing_position": "Washington money transmission (including virtual-currency businesses) is governed by UMSA (RCW 19.230, WAC 208-690), administered by DFI Division of Consumer Services. DFI treats crypto identically to fiat for licensing and has demonstrated active 2025-2026 enforcement capacity (CoinZoom licence surrender; Coinme $8M restitution order).", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://app.leg.wa.gov/rcw/default.aspx?Cite=19.230&full=true", "source_url": "https://app.leg.wa.gov/rcw/default.aspx?Cite=19.230&full=true", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "licensing procedure", "source": "https://dfi.wa.gov/money-services/money-transmitter-and-currency-exchange-licensing", "source_url": "https://app.leg.wa.gov/Wac/default.aspx?cite=208-690-060", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "administrative rule", "source": "https://app.leg.wa.gov/Wac/default.aspx?cite=208-690-060", "source_url": "https://app.leg.wa.gov/wac/default.aspx?cite=208-690-040", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "administrative rule", "source": "https://app.leg.wa.gov/wac/default.aspx?cite=208-690-040", "source_url": "https://dfi.wa.gov/money-services/money-transmitter-and-currency-exchange-licensing", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "regulatory rule amendment", "source": "https://www.dwt.com/blogs/financial-services-law-advisor/2018/07/washington-state-updates-money-services-rules", "source_url": "https://dfi.wa.gov/money-services/money-transmitter-and-currency-exchange-licensing", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "licensing FAQ", "source": "https://dfi.wa.gov/money-services/licensing-frequently-asked-questions", "source_url": "https://dfi.wa.gov/money-services/money-transmitter-and-currency-exchange-licensing", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Washington's conduct regime centres on a named Responsible Individual per licensee, mandatory permissible-investment/safeguarding of customer funds, a statutory refund right, and federal Regulation E remittance-transfer disclosure obligations layered on top of the state licence. DFI enforces these conduct standards actively via examinations and administrative actions.", "findings": [ { "finding": null, "instrument_type": "regulatory guidance", "source": "https://dfi.wa.gov/sites/default/files/documents/money-transmitters/summary-mt-regulation.pdf", "source_url": "https://dfi.wa.gov/sites/default/files/documents/money-transmitters/summary-mt-regulation.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://law.justia.com/codes/washington/title-19/chapter-19-230/section-19-230-330/", "source_url": "https://law.justia.com/codes/washington/title-19/chapter-19-230/section-19-230-330/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "supervisory guidance", "source": "https://dfi.wa.gov/money-services/examinations", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal disclosure rule", "source": "https://dfi.wa.gov/money-services/examinations", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "consumer disclosure rule", "source": "https://www.dwt.com/blogs/financial-services-law-advisor/2018/07/washington-state-updates-money-services-rules", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "2", "retrieved_at": "2026-07-05" } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w2-stablecoins-digital-money", "standing_position": "Washington treats virtual currency (including stablecoins) as money transmission under 2017 RCW 19.230 amendments, layering a state licensing/custody regime atop the federal GENIUS Act (enacted 18 Jul 2025 but NOT YET OPERATIVE pending final implementing regulations, expected no later than 18 Jan 2027). A vendor claim attributing a 'Section 404' stablecoin-interest ban to Washington DFI is a misattribution; Section 404 is a provision of the pending, unenacted federal CLARITY Act. DFI has taken high-profile enforcement action (Coinme, CoinZoom) against non-compliant virtual-currency MSBs.", "findings": [ { "finding": null, "instrument_type": "statute + administrative rule", "source": "https://cryptoslate.com/crypto-laws/washington-uniform-money-services-act-virtual-currency-regime/", "source_url": "https://cryptoslate.com/crypto-laws/washington-uniform-money-services-act-virtual-currency-regime/", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "administrative rule", "source": "https://www.dwt.com/blogs/financial-services-law-advisor/2018/07/washington-state-updates-money-services-rules", "source_url": "https://occ.treas.gov/news-issuances/bulletins/2026/bulletin-2026-3.html", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "federal statute/rulemaking", "source": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "source_url": "https://cryptoslate.com/stablecoin-rewards-clarity-act-guide-to-section-404/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "state DFI staking/interest policy", "source": "https://www.bitget.com/academy/coinbase-restrictions-washington-state-2026-comprehensive-america-guide", "source_url": "https://www.bitget.com/academy/coinbase-restrictions-washington-state-2026-comprehensive-america-guide", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement action", "source": "https://dfi.wa.gov/news/press/washington-state-dfi-takes-action-against-coinme-halt-all-money-transfers-washington-due", "source_url": "https://dfi.wa.gov/news/press/washington-state-dfi-takes-action-against-coinme-halt-all-money-transfers-washington-due", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w3-operational-resilience-critical-infrastructure", "standing_position": "Operational resilience obligations for Washington money transmitters are embedded in WAC 208-690 rather than a standalone resilience statute: cybersecurity, business-continuity, recordkeeping and third-party/agent oversight duties are examination-enforced by DFI on a risk-based cycle.", "findings": [ { "finding": null, "instrument_type": "administrative rule", "source": "https://www.innreg.com/blog/washington-money-transmitter-license-guide", "source_url": "https://www.innreg.com/blog/washington-money-transmitter-license-guide", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "supervisory practice", "source": "https://dfi.wa.gov/money-services/examinations", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "administrative rule", "source": "https://dfi.wa.gov/money-services", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal recordkeeping rule", "source": "https://dfi.wa.gov/sites/default/files/documents/money-transmitters/summary-mt-regulation.pdf", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w4-scheme-network-compliance", "standing_position": "Washington imposes no state-specific cap on credit-card surcharging beyond the federal/card-network ceiling, but a state-level interchange-fee ban bill (SB 5070) has been actively debated in the legislature, and the state Department of Revenue has created a distinct B&O tax classification for payment-card processing/acquiring activity.", "findings": [ { "finding": null, "instrument_type": "surcharging practice", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/washington-surcharge-laws/", "source_url": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/washington-surcharge-laws/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "pending legislation", "source": "https://www.nbcrightnow.com/legislature/servers-in-washington-state-hoping-for-reprieve-from-credit-card-fees/article_fa5b9b46-d867-11ef-a91c-bfcf55753fb1.html", "source_url": "https://app.leg.wa.gov/BillSummary/?BillNumber=5070&Year=2025", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "state tax rule", "source": "https://dor.wa.gov/forms-publications/publications-subject/special-notices/new-tax-rate-and-classification-payment-card-processing-activities", "source_url": "https://dor.wa.gov/forms-publications/publications-subject/special-notices/new-tax-rate-and-classification-payment-card-processing-activities", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "scheme rulebook practice", "source": "https://mrsc.org/explore-topics/finance/accounting/credit-card-acceptance", "source_url": "https://dor.wa.gov/forms-publications/publications-subject/special-notices/new-tax-rate-and-classification-payment-card-processing-activities", "source_tier": "2", "retrieved_at": "2026-07-05" } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w5-payment-corridor-dynamics", "standing_position": "Washington (via Seattle-headquartered Remitly) is a globally significant node for US outbound remittance corridors, with the state's digital remittance leader benefiting from a federal carve-out on the new 2026 remittance excise tax for electronically funded transfers.", "findings": [ { "finding": null, "instrument_type": "corporate SEC filing", "source": "https://ir.remitly.com/static-files/d82354f4-cfc3-453c-b3cd-a68f0e31a47c", "source_url": "https://ir.remitly.com/static-files/d82354f4-cfc3-453c-b3cd-a68f0e31a47c", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "corridor history", "source": "https://www.fintechfutures.com/remittances/how-remitly-marries-remittances-with-financial-inclusion", "source_url": "https://www.remitly.com/blog/money-transfer/federal-remittance-tax-guide/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal tax law", "source": "https://www.remitly.com/blog/money-transfer/federal-remittance-tax-guide/", "source_url": "https://www.remitly.com/blog/money-transfer/federal-remittance-tax-guide/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "corridor detail", "source": "https://moneytransfers.com/companies/remitly", "source_url": "https://www.remitly.com/blog/money-transfer/federal-remittance-tax-guide/", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w6-industry-structure-commercial-dynamics", "standing_position": "Washington's payments industry structure is bifurcated between DFI-supervised depository institutions (state-chartered banks and credit unions under a dual state/federal charter system) and a dense non-bank fintech/payments cluster headquartered in Seattle, anchored by Remitly, Coinbase-licensed activity, Block/Square, and a wider venture-backed B2B payments and banking-as-a-service scene.", "findings": [ { "finding": null, "instrument_type": "regulatory structure", "source": "https://dfi.wa.gov/banks", "source_url": "https://dfi.wa.gov/credit-unions/dual-charter", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "regulatory structure", "source": "https://dfi.wa.gov/credit-unions/dual-charter", "source_url": "https://www.ellty.com/blog/seattle-fintech-investors", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market structure data", "source": "https://tracxn.com/d/explore/fintech-startups-in-seattle-united-states/__hIA6ahe_JjGiPf2h9u82FtFyhb-EOobZ96Go0J4W2CQ", "source_url": "https://www.ellty.com/blog/seattle-fintech-investors", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market commentary", "source": "https://www.ellty.com/blog/seattle-fintech-investors", "source_url": "https://www.ellty.com/blog/seattle-fintech-investors", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market presence", "source": "https://www.dnb.com/business-directory/company-profiles.amazon_payments_inc.d4807d8e003930eaa963fb06eedfbe76.html", "source_url": "https://www.ellty.com/blog/seattle-fintech-investors", "source_tier": "4", "retrieved_at": "2026-07-05" } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w7-legal-litigation", "standing_position": "DFI has been an active enforcer against non-compliant money transmitters, with two major virtual-currency-kiosk/MSB enforcement actions resolved late 2025/early 2026 (Coinme, CoinZoom) and a January 2025 multistate $80m BSA/AML settlement with Block, Inc./Cash App co-led by Washington, alongside routine mortgage-sector consent orders.", "findings": [ { "finding": null, "instrument_type": "enforcement action", "source": "https://dfi.wa.gov/news/press/washington-state-dfi-takes-action-against-coinme-halt-all-money-transfers-washington-due", "source_url": "https://dfi.wa.gov/news/press/washington-state-dfi-takes-action-against-coinme-halt-all-money-transfers-washington-due", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement action", "source": "https://natlawreview.com/article/washington-dfi-enters-consent-order-digital-assets-focused-money-transmitter", "source_url": "https://natlawreview.com/article/washington-dfi-enters-consent-order-digital-assets-focused-money-transmitter", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "multistate enforcement action", "source": "https://www.einpresswire.com/article/777029125/washington-dfi-jointly-leads-80-million-multistate-enforcement-action-against-block-inc-cash-app", "source_url": "https://www.einpresswire.com/article/777029125/washington-dfi-jointly-leads-80-million-multistate-enforcement-action-against-block-inc-cash-app", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement action", "source": "https://www.consumerfinanceandfintechblog.com/2025/11/washington-dfi-finalizes-60000-consent-order-addressing-alleged-advertising-disclosure-and-reporting-failures/", "source_url": "https://www.consumerfinanceandfintechblog.com/2025/11/washington-dfi-finalizes-60000-consent-order-addressing-alleged-advertising-disclosure-and-reporting-failures/", "source_tier": "2", "retrieved_at": "2026-07-05" } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w8-merchant-acquiring-risk", "standing_position": "Merchant acquiring in Washington follows the standard US card-network model with DOR B&O tax carve-outs for acquirers/processors; the highest-risk merchant segment DFI actively tracks is cannabis retail, for which the state has codified specific settlement-timing rules for money-transmitter, card and check payment methods given federal banking access constraints.", "findings": [ { "finding": null, "instrument_type": "administrative rule", "source": "https://app.leg.wa.gov/wac/default.aspx?cite=314-55-115", "source_url": "https://app.leg.wa.gov/wac/default.aspx?cite=314-55-115", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "merchant services directory", "source": "https://dfi.wa.gov/cannabis/financial-services", "source_url": "https://dfi.wa.gov/cannabis/financial-services", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "state tax rule", "source": "https://dor.wa.gov/forms-publications/publications-subject/special-notices/new-tax-rate-and-classification-payment-card-processing-activities", "source_url": "https://dfi.wa.gov/cannabis/financial-services", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "merchant compliance practice", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/washington-surcharge-laws/", "source_url": "https://dfi.wa.gov/cannabis/financial-services", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w9-product-innovation-market-development", "standing_position": "Seattle-based Remitly is the state's flagship payments product innovator, having launched a subscription membership (Remitly One), a bank-partnered debit/wallet product, and a forthcoming consumer line of credit in 2025-2026; the University of Washington's CoMotion innovation arm has also stood up a dedicated fintech incubator.", "findings": [ { "finding": null, "instrument_type": "product launch", "source": "https://www.fintechfutures.com/remittances/how-remitly-marries-remittances-with-financial-inclusion", "source_url": "https://www.fintechfutures.com/remittances/how-remitly-marries-remittances-with-financial-inclusion", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "product launch", "source": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_url": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "innovation infrastructure", "source": "https://greater-seattle.com/startups/", "source_url": "https://greater-seattle.com/startups/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market development", "source": "https://www.federalreserve.gov/econres/notes/feds-notes/stablecoins-in-2025-developments-and-financial-stability-implications-20260408.html", "source_url": "https://greater-seattle.com/startups/", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w10-consumer-protection-app-fraud", "standing_position": "Consumer protection for Washington payments customers rests on the general Consumer Protection Act (RCW 19.86), the money-transmitter-specific refund right in RCW 19.230.330, and federal Regulation E remittance-transfer disclosure/error-resolution obligations; there is no Washington-specific mandatory APP-fraud reimbursement regime analogous to the UK's PSR rules.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://www.stritmatter.com/washington-consumer-protection-act/", "source_url": "https://www.stritmatter.com/washington-consumer-protection-act/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement/restitution", "source": "https://www.atg.wa.gov/consumer-refunds", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal disclosure rule", "source": "https://dfi.wa.gov/money-services/examinations", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "multistate litigation trend", "source": "https://news.bloomberglaw.com/banking-law/fintechs-cash-advances-for-workers-draw-suits-as-states-diverge", "source_url": "https://dfi.wa.gov/money-services/examinations", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w11-aml-cft-financial-crime", "standing_position": "This module is Sentinel.gi-fed per methodology and carries the Sentinel payments-context position rather than original illicit-finance analysis. Direct Sentinel.gi feed content was not accessible within this collection pass; the module is seeded with the one directly observable, DFI-sourced payments-context financial-crime enforcement item (the multistate Block/Cash App BSA/AML settlement) pending Sentinel feed integration.", "findings": [ { "finding": null, "instrument_type": "BSA/AML enforcement", "source": "sentinel.washington-dfi-block-bsa-aml-2025", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w12-correspondent-banking-settlement-access", "standing_position": "Washington's correspondent-banking/settlement access story is dominated by cannabis-sector de-risking: only a small number of state-chartered banks and credit unions are willing to bank cannabis retailers given federal Schedule I status, with DFI maintaining an active list of compliant depository and non-depository providers.", "findings": [ { "finding": null, "instrument_type": "market access practice", "source": "https://en.wikipedia.org/wiki/Cannabis_banking_in_Washington", "source_url": "https://en.wikipedia.org/wiki/Cannabis_banking_in_Washington", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "depository access directory", "source": "https://dfi.wa.gov/cannabis/financial-services", "source_url": "https://dfi.wa.gov/cannabis/financial-services", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "bank-partner settlement access", "source": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_url": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market access commentary", "source": "https://www.herringbank.com/business-banking/cannabis-banking/washington-state/", "source_url": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-washington/#w13-commercial-intelligence-fintech", "standing_position": "Trailing-12-month commercial activity in Washington payments is led by Remitly's product/membership expansion (Remitly One, forthcoming line of credit) and continued early-stage fintech funding activity in the Seattle ecosystem, alongside a major multistate regulatory settlement affecting Block/Cash App.", "findings": [ { "finding": null, "instrument_type": "commercial_event", "source": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_url": "https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.geekwire.com/2026/former-crowdstrike-and-bloomberg-engineers-raise-2m-for-seattle-fintech-startup-opencfo/", "source_url": "https://www.geekwire.com/2026/former-crowdstrike-and-bloomberg-engineers-raise-2m-for-seattle-fintech-startup-opencfo/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.einpresswire.com/article/777029125/washington-dfi-jointly-leads-80-million-multistate-enforcement-action-against-block-inc-cash-app", "source_url": "https://tracxn.com/d/explore/fintech-startups-in-seattle-united-states/__hIA6ahe_JjGiPf2h9u82FtFyhb-EOobZ96Go0J4W2CQ/companies", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event", "source": "https://tracxn.com/d/explore/fintech-startups-in-seattle-united-states/__hIA6ahe_JjGiPf2h9u82FtFyhb-EOobZ96Go0J4W2CQ/companies", "source_url": "https://tracxn.com/d/explore/fintech-startups-in-seattle-united-states/__hIA6ahe_JjGiPf2h9u82FtFyhb-EOobZ96Go0J4W2CQ/companies", "source_tier": "3", "retrieved_at": "2026-07-05" } ] } ] }