01
Scope call
30–45 minutes. We map your model to the registrations that actually apply.
Services
The four registrations Canadian fintech runs on.
MSB, RPAA, and crypto trading platform registration — plus the AML program that sits underneath all three. We file every one, as one fixed scope, with one team. Legal opinions and operational compliance under the same roof.
Timelines listed under each service are typical for our process — not promises. Regulator response time can shift dates either way, and we'll always tell you when something is moving slower than expected.
Where to start
Not sure which one applies?
Most Canadian fintechs need one or two of these — sometimes all three, plus the program underneath. Here's the quick read.
RPAA
You move funds for end users — processing, wallets, on/off-ramps, or remittance rails.
Read the details → MSB · FINTRACYou exchange, remit, or transfer fiat — or you deal in crypto for Canadian users.
Read the details → CATP · CSA / OSCYou list, custody, or offer crypto contracts to Canadians on a centralized platform.
Read the details → AML programYou need the written program, training, and monitoring policies underneath any of the above.
Read the details →
FINTRAC · Federal
MSB Registration
Federal registration for money services businesses — crypto dealing, remittance, FX, currency exchange, and money transfer. The starting point for almost every Canadian fintech that touches customer funds.
- FINTRAC registration application, prepared the way examiners read it
- Written AML program, risk assessment, and policy set tailored to your model
- Compliance officer designation, training materials, and recordkeeping framework
- FINTRAC follow-up handling and questions through to confirmation of registration
Bank of Canada · Federal
Payment Service Provider Registration (RPAA)
Registration with the Bank of Canada under the Retail Payment Activities Act. For payment processors, digital wallets, on/off-ramps, and anyone who holds end-user funds or moves money on their behalf.
- RPAA registration application and supporting attachments
- Risk-management and incident-response framework — the parts the Bank of Canada actually reads
- Safeguarding-of-funds policy and operational risk controls
- Notification and reporting templates for ongoing obligations after registration
CSA / OSC · Provincial overlay
Crypto Asset Trading Platform Registration
Restricted Dealer and CATP registration with the Canadian Securities Administrators and the provincial regulator where your users live — Ontario in most cases. For centralized exchanges, custodians, and platforms offering crypto contracts to Canadians.
- Pre-registration undertaking (PRU) submission and follow-up
- Restricted Dealer application package, including KYP, custody, and conflict policies
- Provincial overlay handling — Ontario's OSC and Québec's AMF where they apply
- Coordinated AML program so MSB and CATP filings line up, not contradict each other
AML & Compliance
AML & Compliance Programs
The program your CCO can actually run. Written so examiners can read it, structured so your operations team can follow it, and built to match the registration it sits underneath — not a binder that sits on a shelf.
- Written AML program, risk assessment, and policy set
- Transaction-monitoring rules calibrated to your business model
- Onboarding KYC procedures, ongoing screening, and recordkeeping
- Ongoing training, regulator-examination prep, and program review on an annual cycle
How we work
A scope you can sign off on, then a filing your examiner can read.
Every engagement runs the same four phases — predictable, in writing, with no billable-hour clock.
02
Fixed proposal
Deliverables, timeline, and price in writing. No hourly billing, no surprises.
03
Filing & program build
We write the application and the AML program together — they have to match.
04
Post-license support
Regulator follow-ups, exam prep, training, and program upkeep on an ongoing basis.
Tell us which one you need — or let us tell you.
A 30-minute scope call is the right place to start. We'll map your model to the registrations that apply and tell you what a fixed scope would look like.