Dr. Jonathan Brathwaite
Co-Founder and Managing Director
Safeguarded. Banked. Reconciled.
Meet MDD at Money20/20.
Money20/20 USA · Las Vegas · 18 to 21 October 2026
One position a bank can accept.
Massive Distribution Dynamics works with payment businesses that hold end-user funds: on safeguarding, on debanking risk, and on getting a structure North American banks can underwrite. We work with Canadian MSBs and fund-holding platforms, and payment firms in Europe, Asia and Africa that need a Canadian base and US dollar capability.
We are there to talk, and to get to know you.
Who we want to meet
Four questions. If any is a yes, the meeting is probably worth it.
01
Is your banking one review away from disappearing?
Pre-funding and processing accounts at credit unions and small banks are fragile relationships. When a bank re-assesses appetite, the technology company moving third-party money is usually the first account it closes.
02
Do you need access to US and Canadian banking rails?
Without US dollar settlement and clearing, a payments business is confined to its domestic market. Most firms attack that at the front door, and the front door is where the queue is.
03
Do you need a Canadian entity with safeguarding behind it?
For a firm in Europe, Asia or Africa, a registered Canadian company with a safeguarding trust is the entry structure into North America, not an addition to one you already have.
04
Are you already holding funds in Canada?
Then the obligation is live now and the conversation is shorter, because there is no incorporation or registration step in front of it.
Meet the team in Vegas
The people you will actually meet.
Marilyn Brathwaite
Co-Founder and Director of Administration and Partner Relations
Alanna Brathwaite
Head of Commercial Operations
Rianna Holas
Business Development Manager
Book a meeting
Fifteen minutes, before Las Vegas or in it.
Select a time and tell us a little about your business, so we can simply continue the conversation in Las Vegas.
A pre-show video call, or an on-site meeting in Las Vegas. Pre-show sessions are the better option: we arrive already knowing your position, and the time on the ground goes to what we can do about it.
MDD Insights
We write about the problems we work on.
What the Retail Payment Activities Act actually asks of you, what a bank looks at before it decides to keep you, and what end-user fund accounting takes in practice.
- 12 September 2026Liquidity and float
Canadian 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.
Read it - 12 September 2026Stablecoins
Safeguarding 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.
Read it - 11 September 2026Debanking
Debanking 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.
Read it
Let us have a conversation
We are structuring our conversations to cover what matters.
What you do, how your funds flow and whose money it is at each point, the banking and payment relationships you depend on, and whether we can materially improve your position.
Who does what
MDD does not hold client funds and is not the trustee. End-user funds are held by a licensed Canadian trust company acting as independent trustee. We build the structure around it, coordinate the parties and keep it running. We will tell you who our trust, custody and banking partners are when we speak.
If you have received a banking exit notice, say so and we will reply the same day.