Looking for a Crypto or Payment Licence?

The €19,900 registration package includes Canadian company formation, FINTRAC application preparation, business-specific AML/ATF documentation and management of the registration process. Selecting multiple activities does not add separate licence fees. Ongoing Compliance Officer service starts from €1,900 per month and is separate. Full RPAA services, bank account opening and payment-platform launch are outside this package. Government, regulatory and supervisory charges are not included.

We can coordinate Canadian company formation as part of the same project. Company formation is included in the €19,900 package without an additional formation fee.

Select every activity that applies. Payment, remittance, foreign exchange and virtual-currency activities can be assessed together. We confirm the correct FINTRAC and any separate payment-regulatory scope from the real operating and transaction model.

We guide you through a structured checklist covering ownership, planned services, customers, markets, transaction flows and expected volumes. We also identify the corporate documents and background checks required for your route.

Yes. We position your business for credible bank and payment-provider onboarding, support the search for suitable banks, EMIs and payment providers in Canada and internationally, and prepare a clear onboarding package around your business model and compliance documentation.

We can assess whether a separate RPAA workstream appears relevant and scope support for PSP readiness, annual compliance, safeguarding and operational-risk documentation. Specialist-partner work is identified in writing, and the Bank of Canada makes its own decisions.

No. FINTRAC does not charge every MSB or FMSB a general annual fee. Under its cost-recovery model, an MSB or FMSB is within the chargeable category when it submits 500 or more threshold transaction reports in a fiscal year. These include casino disbursement, electronic funds transfer, large cash and large virtual-currency reports; suspicious transaction reports and listed person or entity property reports are not counted for this threshold. FINTRAC calculates the amount, and any invoice is due in full on receipt. The charge is separate from MSB Desk fees.

Ongoing Compliance Officer service starts from €1,900 per month, separately from the registration package. We can also scope registered-office arrangements when they fit the project. A registered or mail-handling address alone is not proof of an operating presence. Before any address is used in a FINTRAC file, we assess where business or compliance work is managed, where systems and records are maintained, and whether the facts support an MSB or FMSB route.

A qualifying Canadian company can be formed in up to 3 business days. Most standard MSB Desk registration and compliance preparation projects are planned for 6 to 10 weeks once the agreed client information is complete. FINTRAC states that the majority of complete applications are processed within 3 months and more complex applications may take longer. For planning, MSB Desk recommends allowing around 4 to 5 months. These are separate periods and no regulator decision date is guaranteed.