I am an independent app developer. My company do not have any MSA license. I plan to use Dwolla API to build app that will allow an individual to transfer money from their personal account to a participating money transfer service based in NY.
The money transfer service provider will be responsible for remitting the money to customers overseas account.
So, basically my app will just make person-to-business transfer within US using Dwolla API. Question is: do i need any kind of license ?