FinTech CTO & Engineering Services in Toronto
Fractional CTO, payment systems, and AI/ML engineering for Canadian FinTechs — with the regulatory and infrastructure context that makes Canada distinct from the US and EU markets.
Why Canadian FinTech context matters
Canadian FinTech compliance and infrastructure scope is meaningfully different from the US: a smaller set of sponsor banks, distinct payments rails, federal-vs-provincial regulatory split, and proportionality rules that change how much you need to build at different stages. Generic US-centric playbooks tend to over- or under-build for Canadian teams.
OSFI & Federal Banking
Federally regulated banks and trust companies fall under OSFI (Office of the Superintendent of Financial Institutions). We help FinTechs design controls, capital reporting, and operational risk frameworks that align with OSFI Guideline B-13 (technology and cyber risk) without over-engineering for scale you do not yet have.
Interac & Real-Time Rail (RTR)
Canada's payment landscape is distinct: Interac e-Transfer dominates P2P, while Payments Canada's Real-Time Rail (RTR) is rolling out as the Canadian counterpart to FedNow. We help teams plan integrations, sponsor-bank relationships, and ISO 20022 message handling — including how RTR differs from FedNow and SEPA Instant.
FINTRAC & AML/ATF
MSB registration with FINTRAC, the PCMLTFA framework, and the practical KYC/KYB tooling decisions that follow. We have shipped FINTRAC-aligned compliance flows alongside US BSA/AML for cross-border products, and can help reconcile both regimes in a single onboarding pipeline.
Bank Act & Provincial Securities
Federal Bank Act constraints on banking activities, plus provincial securities regulators (OSC in Ontario) for products that touch investment advice or trading. We have navigated these for both Canadian-domiciled FinTechs and US-based teams launching into Canada.
Cross-border experience
Many of our engagements span Canada and the US — Canadian-domiciled teams launching into the US payment system, or US FinTechs expanding north. We have shipped against FedNow alongside RTR, BSA/AML alongside PCMLTFA, and OSC alongside SEC, and can help you decide which regime drives which architectural decisions.
See case studiesWorking on a Canadian FinTech?
Whether you are pre-seed planning your first sponsor-bank relationship or scaling a regulated entity, we can help.
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