Pricing
Let’s find the right fit.
Every regulated business is different. What it takes to get you safeguarded, banked and evidenced depends on where you are starting, what you already hold, and how much of it is provable today.
So we scope each engagement to the position in front of us, and we would rather talk to you than publish a figure that turns out to be wrong for your business. Below is how the work is usually shaped. Find the one that sounds like you.
How the work is shaped
The tiers are cumulative and run in the order the proposition argues for: structure precedes access, and access precedes volume. Most clients start with one and add the rest as the position develops.
Tier 1
Safeguard
for firms already inside the Canadian perimeter
Who it is for. A firm already registered in Canada and already holding end-user funds. The obligation is live now, and the shortest route to satisfying it runs through a trust rather than a rebuild.
What is included
- Safeguarding trust accounts: trust account, trust and prefunding account, trust and processing account, in Canadian and US dollars
- A Canadian operational bank account, segregated from end-user funds
- End-user ledger construction, data feed construction and daily reconciliation
- A documented safeguarding-of-funds framework, maintained as the business changes
- Safeguarding consultancy: choosing and standing up the right safeguarding method
- A Canadian bare trust where the firm is US-owned or US-based and not yet ready for a full Canadian structure
Available alongside
- Fiat and stablecoin safeguarding, where the firm has a token rail
- Fiduciary and governance as a service
What you end up with
End-user funds held by a licensed trustee, segregated and reconciled at individual level, a position you can evidence on any given day rather than reconstruct under pressure at your next review.
Tier 2
Structure
for firms building a Canadian base, the most common starting point
Who it is for. A payment business outside Canada, or inside it without the right entity, that needs a regulated North American home for other people's money before anything else becomes possible. For a firm in Europe, Asia or Africa this is the entry structure, not an addition to one you already have.
Everything in Safeguard, plus
- Canadian company incorporation, provincially or federally
- FINTRAC registration as a money services business
- Substance build: local accounting, documented frameworks, an accountable senior officer, Canadian address and directors
- Accounting set-up
- Coordination of counsel, corporate services provider and trustee, so you manage one relationship rather than four
- A positioning diagnostic first: a board-ready assessment with a ranked remediation plan, sequence and indicative cost
Available alongside
- A Canada-Barbados cross-border structure, designed and delivered by our sister firms
- Fiat and stablecoin safeguarding
What you end up with
A registered Canadian entity a bank can underwrite, with end-user funds safeguarded and reconciled behind it, not a certificate with nothing behind it, which is what gets declined.
Tier 3
Access
for firms going after North American banking, capital or an exit
Who it is for. A firm whose structure is already in place and which now needs the right people in the United States to say yes, and needs the position to still be standing in year three. This is usually the reason the conversation started, and the last thing that can actually be delivered.
Everything in Structure, plus
- Access to US sponsor banks: positioning, framework and introductions to decision-makers senior enough to approve rather than to decline
- US market entry, Chief Revenue Officer guidance: positioning, the right buyers, introductions, accountability
- Positioning for value: fundraising, exit and expansion conversations with US banking, payments, technology and credit union executives
- Fiduciary and governance as a service: senior officer support, framework maintenance, reporting, board pack, bank relationship governance, contingency planning
- Orchestration platform access as capability lands. The workflows behind it run as a service today; the platform automates them
- Cross-border structuring where the group needs it, delivered by our sister firms
What you end up with
A banked, safeguarded and governable operating position in North America, with one firm accountable for whether it holds.
What we will not do
We will not promise you a bank. We position, prepare and introduce; the institution decides. Anyone who guarantees you a sponsorship is either misinformed or misleading you.
Next
Let’s find the right fit.
Every regulated business is different. Get in touch to discuss your needs, and we will tell you what the work looks like for your position, including when the answer is that you do not need us.
Every engagement is scoped and quoted individually. Third-party costs are passed through transparently.
If you have received a banking exit notice, say so and we will reply the same day.