Insights
The problems we work on are badly documented, so we write about them.
What the RPAA actually asks of you. What a bank looks at before it decides to keep you. What end-user fund accounting takes in practice. And what Bill C-15 changed for anyone with a stablecoin rail.
12 September 2026Liquidity and floatCanadian bank regulations: why fintechs and PSPs face debanking
Fast-moving PSP float is 100% runoff hot money under OSFI's liquidity rules, so a bank must fully collateralise it and often loses money holding it. The mechanism, and the fix.
4 min readRead it
12 September 2026StablecoinsSafeguarding trusts and stablecoin reconciliation
Native and wrapped stablecoins carry identical redemption claims but are different property objects. A ledger that reports them as one balance hides the exposure.
9 min readRead it
11 September 2026DebankingDebanking in Canada: why large banks avoid direct fintech exposure
Canadian fintechs are not debanked because banks are scared, but because the maths does not work. Why the problem is structural, and what actually fixes it.
5 min readRead it
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