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ABOUT PAA CAPITAL

Cross-Border Payments, Built on Compliance

PAA CAPITAL LLC is a money services business registered with FinCEN, providing multi-currency accounts, cross-border payments and digital-asset services as part of PAA CAPITAL GROUP.
Our mission is to give international businesses and individuals a modern, compliant, and globally integrated financial infrastructure.

Innovation Meets Compliance

As a registered money services business, PAA CAPITAL combines innovation with strong governance. We deliver trusted multi-currency accounts, seamless cross-border payments, and technology-enabled operational infrastructure—designed to operate securely, transparently, and in full operational alignment across multiple jurisdictions.

Currencies and digital assets we support
US Dollar (USD)Euro (EUR)British Pound (GBP)Tether (USDT)USD Coin (USDC)
Our Team

Leadership Team

The people shaping PAA CAPITAL’s global financial infrastructure.
Cem Wald
Cem Wald

Director & Founder

Cem founded PAA CAPITAL GROUP in 2012 and leads the group’s strategy, partnerships and product development. As Member and Manager of PAA CAPITAL LLC, he is responsible for the company’s overall management and its sanctions compliance.

Laiford Yotam
Laiford Yotam

BSA/AML Compliance Officer

Laiford is PAA CAPITAL LLC’s BSA/AML Compliance Officer. He oversees client due diligence, anti-money-laundering controls, governance and regulatory reporting, and has served as money-laundering reporting officer within PAA CAPITAL GROUP.

Empower Global Finance

Trusted multi-currency payment and settlement infrastructure for businesses operating internationally.

2012
Group founded
160+
Countries served by the group
600M
Group volume processed
700+
Group clients served
“PAA CAPITAL’s service has been exceptionally smooth and secure.
Onboarding was quick, verification was fast, and support was always available.
Their professionalism gave me complete peace of mind.”
Verified Client Feedback
“The team at PAA CAPITAL is highly responsive and consistently delivers secure, compliant settlements across jurisdictions.
Their operational quality remains outstanding.”
Institutional Partner Feedback
“Fast onboarding, intuitive service, and reliable cross-border execution.
Working with PAA CAPITAL has improved how we handle international transactions.”
Long-term Client Feedback
Frequently Asked Questions

Find answers to your Most important questions

PAA CAPITAL provides international payment services, multi-currency accounts, SWIFT transfers, cross-border settlements, and digital-asset services for businesses and individuals.

Our infrastructure supports settlements globally. Within the United States, we currently serve clients resident or established in Montana only. We do not serve persons or companies in sanctioned countries.

Yes. PAA CAPITAL GROUP comprises companies in Europe, Africa and the United States. Client services are provided by PAA CAPITAL LLC, a money services business registered with FinCEN, which follows a risk-based AML/CFT program under the U.S. Bank Secrecy Act.

We serve individuals, freelancers, small and medium-sized businesses and larger companies that need multi-currency accounts and secure cross-border payments.

We currently support SWIFT multi-currency payments. Additional payment rails, including SEPA, are under evaluation.

Accounts in USD, EUR and GBP. Payouts in further currencies may be available on request. Stablecoins: USDT and USDC.

We operate a risk-based anti-money-laundering program under the U.S. Bank Secrecy Act, aligned with FATF standards: every client is identity-verified and screened against sanctions lists, every crypto wallet is screened, and transactions are monitored.

Once your application and documents are complete, onboarding usually takes a few business days. More complex cases can take longer, depending on applicable regulatory requirements.