Various actors are involved in the business; they can be classified from top to bottom as follows: •  the multinationals (or networks) that manage the system;  •  their agents operating in each country, which in Italy, due to the reserve on financial activity, must be financial intermediaries;  •  subagents (or locations), which act as points of sale and in Italy are financial agents entered in a register kept by the UIC.
More specifically, the general register kept under Article 106 of the Consolidated Law on Banking contains 32 financial intermediaries that belong to international circuits, such as Western Union and Moneygram. To engage in such activities it is therefore necessary to satisfy requirements concerning legal form, minimum capital € exclusive corporate purpose, the integrity of shareholders, and the integrity, experience and independence of corporate officers.