· Payments
Payment flow mapping for fintech operators
The regulatory classification of a payment product follows from how funds actually move, not from how the product is described.
Tag: MSB
- · Payments
Payroll and contractor payment platforms: MSB considerations
Platforms that disburse wages or contractor payments face fund flow and MSB analysis that depends on who holds money and how it moves.
Payments-as-a-Service and role allocation
PaaS platforms that enable clients to offer payment functionality need to define clearly whether the platform or the client bears the regulatory obligations that follow from the payment activity.
- · FINTRAC
Preparing for a FINTRAC examination
FINTRAC examinations test operating evidence, not just policy documents — preparation means assembling the records that show how the compliance program runs in practice.
- · FINTRAC
Six pillars of MSB defensibility
A defensible AML compliance program for Canadian MSBs is built on six elements that FINTRAC examines both as documentation and as operating evidence.
- · Crypto
Stablecoin infrastructure and regulated activity
Infrastructure providers that enable stablecoin payment flows can engage Canadian MSB registration requirements depending on their role in custody, settlement, and transfer.