About DCS
For over 30 years, Digital Currency Systems has been the technology partner for check cashers, currency exchanges and alternative financial service businesses across the United States.
Who we are
Digital Currency Systems (DCS) is a leading technology provider in the alternative financial services space, serving check cashing merchants, currency exchanges, and related businesses across the United States. For over 30 years, DCS has been at the forefront of developing purpose-built software solutions that help merchants run efficient, compliant, and profitable operations.
Our merchant customers use DCS systems to manage the full range of their financial service operations — including check cashing, bill payment, debit card loading, pre-paid products, money transfers, and more. With DCS, every transaction is handled accurately, every customer record is maintained securely, and every compliance obligation is met automatically.
Over 80 million Americans are self-banked or underbanked, meaning they rely on alternative financial service providers to access the financial products they need. DCS’s mission is to enable merchant organizations to provide these valuable cash-based alternative financial products to their communities — efficiently and profitably.
The DCS team brings over 30 years of direct experience in the check cashing and alternative financial services industry. We understand your business because we’ve spent decades building technology for it. From the teller screen to the back office to corporate reporting, every feature in our software was designed with your operation in mind.
Help merchants bring cash-based financial products to their communities, efficiently and profitably.
Security, built into every transaction
You handle other people’s money all day. The system behind your counter is built like it, from who can touch a transaction to what the examiner sees.
- Role-based access control, granular permissions per role and per location
- Customer data and check images encrypted in transit and at rest
- Named individual logins with session timeouts, never shared accounts
- Full audit trails: every transaction, override, and void logged with who, when, and why
- BSA/AML tooling with CTR tracking and SAR-ready records
From the blog
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Advantages of electronic deposits for Money Services Businesses
Speed, security, and lower costs: how electronic deposits transform day-to-day operations for MSBs.
July 30, 2025
Check cashing system vs bank
Ten key contrasts in speed, accessibility, fees, and fraud prevention between a check cashing system and traditional banking.
July 30, 2025
OFAC & SDN List via check cashing
How OFAC sanctions and the SDN List intersect with check cashing, and what screening your business is required to do.
July 28, 2025
Mobile deposit challenges
Duplicate deposits, fraud, and chargebacks: the mobile-deposit risks MSBs face and how to address them.
July 28, 2025
Compliance: benefits, risk, and legal
Why compliance is crucial for MSBs: FinCEN's role, the risks of falling short, and the rewards of getting it right.
July 18, 2025
Best practices to stay compliant: MSB / check cashing
Seven practical steps, from AML programs and KYC to record-keeping, training, and compliance technology.
July 18, 2025
FinCEN MSB regulations: recent updates
The new Geographic Targeting Order along the southwest border, and what it means for CTR filing thresholds.
July 18, 2025