Fintech in Canada Q3 2024

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VRCAs, better known as stablecoins, are crypto assets designed to maintain a stable or pegged value relative to a specified fiat currency or other asset. 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Godfrey || Jasmine Godfrey|/GodfreyJasmine", "Ian M. Goldberg || Ian Goldberg|/GoldbergIan", "Phoebe Goldig |/GoldigPhoebe", "Ethan M. Gordon || Ethan Gordon|/GordonEthan", "Dawn Gould |/GouldDawn", "Lorelei Graham |/GrahamLorelei", "Simon Grant |/GrantSimon", "Thomas Gray |/GrayThomas", "Michaila Graziani |/GrazianiMichaila", "Nathan Green |/GreenNathan", "Kimberley Grellinger |/GrellingerKimberley", "Sander A.J.R. Grieve || Sander Grieve|/GrieveSander", "Leonard J. Griffiths ||Len, Len Griffiths Leonard Griffiths|/GriffithsLeonard", "David E. Gruber || David Gruber|/GruberDavid", "Aldona C.L. Gudas || Aldona Gudas|/GudasAldona", "Mathieu Guindon |/GuindonMathieu", "Evan E. Hall || Evan Hall|/HallEvan", "Kelly L. Hammel || Kelly Hammel|/HammelKelly", "Kristopher R. Hanc || Kristopher Hanc|/HancKristopher", "Phillip Hanna |/HannaPhillip", "Brynne Harding |/HardingBrynne", "Sarah Harper |/HarperSarah", "Robert B. Harvey || Robert Harvey|/HarveyRob", "Chelsea Hatton |/HattonChelsea", "Marshall R. Haughey || Marshall Haughey|/HaugheyMarshall", "Jehad Haymour |/HaymourJehad", "James J. Heelan KC|| James Heelan|/HeelanJames", "Rhonda Heffernan |/HeffernanRhonda", "Nancy Helm |/HelmNancy", "Jane C. Helmstadter || Jane Helmstadter|/HelmstadterJane", "William B. Hembroff || William Hembroff|/HembroffWilliam", "Tatiana Henkenhaf |/HenkenhafTatiana", "Christopher (Chris) Hennigar |/HennigarChristopher", "Kim Henry |/HenryKim", "Stephanie Henry |/HenryStephanie", "Allegra Hessels |/HesselsAllegra", "Bruce A. Hibbard || Bruce Hibbard|/HibbardBruce", "Charlene Hiller |/HillerCharlene", "Jonathan Hillson |/HillsonJonathan", "Conor Holash |/HolashConor", "Emily M. Hole || Emily Hole|/HoleEmily", "Jessica B. Horwitz || Jessica Horwitz|/HorwitzJessica", "Haifeng Hu |/HuHaifeng", "Jennifer Huang |/HuangJennifer", "Randal T. Hughes ||Randy Randal Hughes|/HughesRandal", "Edward W. Hulshof || Edward Hulshof|/HulshofEdward", "Matthew J. Hunt || Matthew Hunt|/HuntMatthew", "Sarah J. Huot || Sarah Huot|/HuotSarah", "Andy Hur |/HurAndy", "Dominique T. Hussey ||Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Dominique Hussey|/HusseyDominique", "Elizabeth Hyndman |/HyndmanElizabeth", "Natalia E. Iamundo || Natalia Iamundo|/IamundoNatalia", "Kristos J. Iatridis || Kristos Iatridis|/IatridisKristos", "Martin Ignasiak KC|/IgnasiakMartin", "Laura Inglis |/InglisLaura", "Ilan Ishai |/IshaiIlan", "Nyrie Israelian |/IsraelianNyrie", "Biancha Jacob-Okorn |/JacobOkornBiancha", "Laura James |/JamesLaura", "Mahnaz Jan Ali |/JanAliMahnaz", "Andrew L. Jeanrie || Andrew Jeanrie|/JeanrieAndrew", "Greg M. Johnson || Greg Johnson|/JohnsonGreg", "Hannah Johnston |/JohnstonHannah", "Beth L. Jonah || Beth Jonah|/JonahBeth", "Samuel Judson |/JudsonSamuel", "Flutra Kacuri |/KacuriFlutra", "Lisa Kakoske ||Lisa Andrews|/KakoskeLisa", "Adam Kalbfleisch |/KalbfleischAdam", "Varun Kapoor |/KapoorVarun", "Jaspreet Kaur |/KaurJaspreet", "Navdeep Kaur |/KaurNavdeep", "Fatima Kawar |/KawarFatima", "Mehak Kawatra |/KawatraMehak", "Timothy Ke |/KeTimothy", "Bryan E. Kelling || Bryan Kelling|/KellingBryan", "Claire M.C. Kennedy || Claire Kennedy|/KennedyClaire", "Jessica Kennedy |/KennedyJessica", "Sam Kennedy |/KennedySam", "Hon. Jason Kenney PC, ECA|/KenneyJason", "Jeffrey Kerbel |/KerbelJeffrey", "Emily P. Kettel ||Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Emily Kettel|/KettelEmily", "Kaamil Khalfan |/KhalfanKaamil", "Kristin Kightley |/KightleyKristin", "Barbara J. Kimmitt KC|| Barbara Kimmitt|/KimmittBarbara", "Craig M. Kinsman || Craig Kinsman|/KinsmanCraig", "Vanessa Kiraly |/KiralyVanessa", "Katherine Klein |/KleinKatherine", "Lorraine J. Klemens || Lorraine Klemens|/KlemensLorraine", "Ania Konikowski |/KonikowskiAnia", "Joshua Koop |/KoopJoshua", "Kateryna Korneliuk |/KorneliukKateryna", "Mark P. Kortbeek || Mark Kortbeek|/KortbeekMark", "Bosa Kosoric |/KosoricBosa", "Shannon Kovacs |/KovacsShannon", "Brent W. Kraus || Brent Kraus|/KrausBrent", "Edwin G. Kroft KC||Ed Edwin Kroft|/KroftEd", "Russell J. Kruger || Russell Kruger|/KrugerRussell", "Hennadiy Kutsenko |/KutsenkoHennadiy", "Natasha O.Q. Laffin || Natasha Laffin|/LaffinNatasha", "Mathieu J. LaFleche || Mathieu LaFleche|/LaFlecheMathieu", "Mia Laity |/LaityMia", "Justin R. Lambert || Justin Lambert|/LambertJustin", "Eunize Lao |/LaoEunize", "Kolding Larson |/LarsonKolding", "Thomas Laur |/LaurThomas", "Yohanna Laurensia |/LaurensiaYohanna", "Chandler Lauzon |/LauzonChandler", "John Lawless |/LawlessJohn", "Kim Lawton |/LawtonKim", "Logan Lazurko |/LazurkoLogan", "Isabelle Lee |/LeeIsabelle", "Larissa D. Lees || Larissa Lees|/LeesLarissa", "Kalkidan Legesse |/LegesseKalkidan", "Darcy Legros |/LegrosDarcy", "Anna Lekach |/LekachAnna", "Jeffrey S. Leon L.S.M., FCIArb|| Jeffrey Leon|/LeonJeffrey", "Rayna S. Lew || Rayna Lew|/LewRayna", "Mark V. Lewis || Mark Lewis|/LewisMark", "Kwang Lim |/LimKwang", "David W. Little || David Little|/LittleDavid", "Mercy Liu |/LiuMercy", "Suzana A. Lobo || Suzana Lobo|/LoboSuzana", "Hayden Logan |/LoganHayden", "Oliver Loxley |/LoxleyOliver", "Samantha Lush |/LushSamantha", "David J. Macaulay || David Macaulay|/MacaulayDavid", "Maxine Macdonald |/MacdonaldMaxine", "Thomas Machell |/MachellThomas", "Troy Mack |/MackTroy", "Ciara J. Mackey || Ciara Mackey|/MackeyCiara", "Jared A. Mackey || Jared Mackey|/MackeyJared", "Christy MacKinnon |/MacKinnonChristy", "Hugh L. MacKinnon KC|| Hugh MacKinnon|/MacKinnonHugh", "Xaverie (Xav) MacLennan || Xaverie MacLennan|/MacLennanXaverie", "Karen MacMillan |/MacMillanKaren", "Ann Madden |/MaddenAnn", "Patrick T. Maguire KC||pat maguire Patrick Maguire|/MaguirePatrickT", "Zaafar Mahmood |/MahmoodZaafar", "Steven L. Major KC|| Steven Major|/MajorSteven", "Jacob Mandrusiak |/MandrusiakJacob", "Hon. John P. Manley P.C., O.C.|| John Manley|/ManleyJohn", "S. Paul Mantini || S. Mantini|/MantiniPaul", "Philip Marshall |/MarshallPhilip", "Scott Martyn |/MartynScott", "Jesslyn G. Maurier || Jesslyn Maurier|/MaurierJesslyn", "Tyler B. McAuley || Tyler McAuley|/McAuleyTyler", "James T. McClary || James McClary|/McClaryJames", "Gillian McCormack |/McCormackGillian", "Jonathan McCullough |/McCulloughJonathan", "Robert (Rob) D. McDonald K.C.||Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Robert (Rob) McDonald|/McDonaldRobert", "Sam McDonald |/McDonaldSam", "Tyler McDonough |/McDonoughTyler", "Jonathan McKay |/McKayJonathan", "Christopher S. McKenna || Christopher McKenna|/McKennaChristopher", "Gordon McKenna |/McKennaGordon", "David R. McKinnon ||Dave, Dave McKinnon David McKinnon|/McKinnonDavid", "Amanda C. McLachlan || Amanda McLachlan|/McLachlanAmanda", "Louise McLean |/McLeanLouise", "Duncan McPherson |/McPhersonDuncan", "Michael N. Melanson || Michael Melanson|/MelansonMichael", "E. Bruce Mellett || E. Mellett|/MellettEBruce", "Lina Mercier |/MercierLina", "Monique Mercier Ad. E.|/MercierMonique", "John M. Mercury || John Mercury|/MercuryJohn", "Andrei Mesesan |/MesesanAndrei", "Kelsey J. Meyer || Kelsey Meyer|/MeyerKelsey", "Ian C. Michael || Ian Michael|/MichaelIan", "Jesse Mighton |/MightonJesse", "Gavin A. Millan || Gavin Millan|/MillanGavin", "Jennifer A. Miller KC|| Jennifer Miller|/MillerJennifer", "Benjamin Mintzberg |/People/M/Mintzberg-Benjamin", "Linda Misetich Dann |/MisetichDannLinda", "Tamara Mitterer |/MittererTamara", "Darcy D. Moch KC|| Darcy Moch|/MochDarcy", "Munaf Mohamed KC|/MohamedMunaf", "James G. Morand ||Jim James Morand|/MorandJames", "Luke Morrison ||Luke, Luke Morrison|/MorrisonLuke", "Shelby Morrison |/MorrisonShelby", "Daniel L. Morrow || Daniel Morrow|/MorrowDaniel", "Sacha Mullen |/MullenSacha", "Jessica Munro |/MunroJessica", "Shawn M. Munro || Shawn Munro|/MunroShawn", "Valerie Munro |/MunroValerie", "Tim Myers |/MyersTim", "Michael D. Mysak || Michael Mysak|/MysakMichael", "Kevin Myson |/MysonKevin", "Daron K. Naffin || Daron Naffin|/NaffinDaron", "Ali J. Naushahi || Ali Naushahi|/NaushahiAli", "Aiden C.R. Nelms || Aiden Nelms|/NelmsAiden", "Anu Nijhawan |/NijhawanAnu", "Ana Nizharadze |/NizharadzeAna", "Wesley R. Novotny || Wesley Novotny|/NovotnyWesley", "Michael O'Grady |/OGradyMichael", "Nolan Okrusko |/OkruskoNolan", "Megan J. Ollivier || Megan Ollivier|/BertramMegan", "Sydney Olsen |/OlsenSydney", "Orla O'Malley |/OMalleyOrla", "Derrick Osborne |/OsborneDerrick", "William S. Osler KC|| William Osler|/OslerWilliam", "Louis-Philippe Otis |/OtisLouisPhillipe", "Alexanne Ouellet |/OuelletAlexanne", "Rachel Pageau |/PageauRachel", "Stephanie Paige |/PaigeStephanie", "Vasilis F. L. Pappas, FCIArb|| Vasilis Pappas,|/PappasVasilis", "Sara G. Parchello || Sara Parchello|/ParchelloSara", "Pavan Pasha |/PashaPavan", "Julia N. Pasieka || Julia Pasieka|/PasiekaJulia", "Ashley L. Paterson || Ashley Paterson|/PatersonAshley", "Jonas Patron |/PatronJonas", "Jim Patterson |/PattersonJim", "Dane Patton |/PattonDane", "Alexander C. Payne || Alexander Payne|/PayneAlexander", "William (Buck) A. Payne || William (Buck) Payne|/PayneWilliam", "Darrel H. Pearson || Darrel Pearson|/PearsonDarrel", "Lauren Peebles |/PeeblesLauren", "Arthur J. Peltomaa || Arthur Peltomaa|/PeltomaaArthur", "Colin R. Perry || Colin Perry|/PerryColin", "Esther Peterson |/PetersonEsther", "Christopher Petrucci ||construction litigation|/PetrucciChristopher", "Christine Plante |/PlanteChristine", "Caroline Poirier |/PoirierCaroline", "Mark S. Powell || Mark Powell|/PowellMark", "Valerie R. Prather KC|| Valerie Prather|/PratherValerie", "Ruth E. Promislow || Ruth Promislow|/PromislowRuth", "Akash Purewal |/PurewalAkash", "Siobain N. Quinton || Siobain Quinton|/QuintonSiobain", "Alison Quist-Levesque |/QuistLevesqueAlison", "Jung Kuo (John) Ra ||John Ra|/RaJohn", "Amanda Raimondi |/RaimondiAmanda", "Michael D. W. Ramsay || Michael Ramsay|/RamsayMichael", "Belinda Raposo |/RaposoBelinda", "Mark Rasile |/RasileMark", "Brian P. Reid ||construction litigation Brian Reid|/ReidBrian", "George W. H. Reid || George Reid|/ReidGeorge", "Kristen Reinbold |/ReinboldKristen", "Benjamin K. Reingold || Benjamin Reingold|/ReingoldBenjamin", "Barry J. Reiter || Barry Reiter|/ReiterBarry", "Kohi A. Richardson || Kohi Richardson|/RichardsonKohi", "Matt Riskin |/RiskinMatthew", "Wade Ritchie |/RitchieWade", "Corrin Roadhouse |/RoadhouseCorrin", "Luc Rollingson |/RollingsonLuc", "Paul Romaniuk |/RomaniukPaul", "Kellen W. Rosenau || Kellen Rosenau|/RosenauKellen", "Helen Ross |/RossHelen", "David S. Rotchtin || David Rotchtin|/RotchtinDavid", "Jason D. Roth || Jason Roth|/RothJason", "Victoria Rudolf |/RudolfVictoria", "James G. Rumball ||Jim Rumball James Rumball|/RumballJames", "Jeremy A.J. Russell || Jeremy Russell|/RussellJeremy", "Andrew Sahai |/SahaiAndrew", "Raj S. Sahni || Raj Sahni|/SahniRaj", "Larissa Sakumoto |/SakumotoLarissa", "Dr. Indira V. Samarasekera PhD, FRSC, FCAE, DSc, O.C.|| Indira Samarasekera|/SamarasekeraIndiraV", "Dr. Sabrina Sandhu |/SandhuSabrina", "Annaliisa Sando |/SandoAnnaliisa", "Larry R. Sandrin || Larry Sandrin|/SandrinLarry", "Will Sardo |/SardoWill", "Gino Scapillati |/ScapillatiGino", "Quinn Scarlett |/ScarlettQuinn", "Sophie Schaffer-Wood |/SchafferWoodSophie", "Julia E. Schatz || Julia Schatz|/SchatzJulia", "Ethan Z. Schiff || Ethan Schiff|/SchiffEthan", "Jim Schmidt |/SchmidtJim", "Jacob Schroeter |/SchroeterJacob", "Doug Scully |/ScullyDoug", "Susan G. Seller || Susan Seller|/SellerSusan", "Michael Selnes |/SelnesMichael", "Jane Sergievskaya |/SergievskayaJane", "Nathan J. Shaheen || Nathan Shaheen|/ShaheenNathan", "Michael S. Shakra || Michael Shakra|/ShakraMichael", "Bronwynn Shaw |/ShawBronwynn", "Oleg Shcheglov |/ShcheglovOleg", "Kruti Sheth |/ShethKruti", "Noriko Shimura |/ShimuraNoriko", "Dunni Shodipo |/ShodipoDunni", "Ted M. Shoub || Ted Shoub|/ShoubTed", "Adam Shumka |/ShumkaAdam", "Stephen P. Sibold KC|| Stephen Sibold|/SiboldStephen", "Julien Sicco |/SiccoJulien", "Brendan Sigalet |/SigaletBrendan", "Arti Singh |/SinghArti", "Jaspreet K. Singh || Jaspreet Singh|/SinghJaspreet", "Krishen Singh |/SinghKrishen", "Christopher R. Skelton || Christopher Skelton|/SkeltonChristopher", "Christina Skinner |/SkinnerChristina", "Lawrence (Laurie) E. Smith KC|| Lawrence (Laurie) Smith|/SmithLawrence", "Michael C. Smith || Michael Smith|/SmithMichael", "Owen Smith |/SmithOwen", "Yvonne So |/SoYvonne", "Raghav Sodhi |/SodhiRaghav", "Bahar Soltani |/SoltaniBahar", "Gary S.A. Solway || Gary Solway|/SolwayGary", "Aaron E. Sonshine || Aaron Sonshine|/SonshineAaron", "Dom Sorbara |/SorbaraDom", "Jackson Spencer |/SpencerJackson", "Perry Spitznagel KC|/SpitznagelPerry", "Robert W. Staley || Robert Staley|/StaleyRobert", "Carolyne J. Stanton || Carolyne Stanton|/StantonCarolyne", "Grant N. Stapon KC|| Grant Stapon|/StaponGrant", "Andrea Steele (née Stempien) |/SteeleAndrea", "Megan Steeves |/SteevesMegan", "Evan Stein |/SteinEvan", "Kiera G. Stel || Kiera Stel|/StelKiera", "Madison Stemmler |/StemmlerMadison", "Geoffrey P. Stenger || Geoffrey Stenger|/StengerGeoffrey", "Lucas Stevens-Hall |/StevensHallLucas", "Karen A. Stevenson || Karen Stevenson|/StevensonKaren", "Lisa Stewart |/StewartLisa", "Barbara J. Stratton KC|| Barbara Stratton|/StrattonBarbara", "Luke Stretch |/StretchLuke", "Suzie Suliman |/SulimanSuzie", "Olga Summers |/SummersOlga", "Madison Sutherland |/SutherlandMadison", "Richard B. Swan || Richard Swan|/SwanRichard", "Maisah Syed |/SyedMaisah", "Francesca Taddeo |/TaddeoFrancesca", "Sharon A. Takacs || Sharon Takacs|/TakacsSharon", "Dana Talucci |/TalucciDana", "Heather Taskey |/TaskeyHeather", "Adam W. Taylor || Adam Taylor|/TaylorAdam", "Jeff Taylor |/TaylorJeff", "Marcia Taylor |/TaylorMarcia", "Rebecca M. Taylor || Rebecca Taylor|/TaylorRebecca", "Melanie Teetaert |/TeetaertMelanie", "John W. Teolis || John Teolis|/TeolisJohn", "Alexandra Terpoy-Heinemann |/Terpoy-HeinemannAlexandra", "Daniel P. Tessaro || Daniel Tessaro|/TessaroDaniel", "Jean Tessier |/TessierJean", "Zachary Thacker |/ThackerZachary", "Michael P. Theroux KC||Mike Theroux Michael Theroux|/TherouxMichael", "Ian W. Thompson || Ian Thompson|/ThompsonIan", "Jessica Thrower |/ThrowerJessica", "Deborah Toaze |/ToazeDeborah", "Shaan P. Tolani || Shaan Tolani|/TolaniShaan", "Leah Tolton KC, FEA|/ToltonLeah", "Annie B. Tonken || Annie Tonken|/TonkenAnnie", "Marshall Torgov |/TorgovMarshall", "Christopher A. Travascio || Christopher Travascio|/TravascioChristopherA", "Elad Travis |/TravisElad", "Vanessa Trépanier ||Vanessa Trepanier|/TrepanierVanessa", "Jon C. Truswell || Jon Truswell|/TruswellJon", "Victor Tsao |/TsaoVictor", "Victoria Tulk |/TulkVictoria", "Meg Tweedlie |/TweedlieMeg", "Osie Ukwuoma |/UkwuomaOsie", "Martin J. Valasek || Martin Valasek|/ValasekMartin", "John D. van Gent || John van Gent|/vanGentJohn", "Quentin Vander Schueren |/VanderSchuerenQuentin", "Michael H. VanderMeer || Michael VanderMeer|/VanderMeerMichael", "Karlo Varga |/VargaKarlo", "Amy Verhoeff |/VerhoeffAmy", "Christine A. Viney || Christine Viney|/VineyChristine", "Sophie Virji |/VirjiSophie", "Jenna Vivian |/VivianJenna", "David J. Wahl, FCIArb|| David Wahl,|/WahlDavid", "David Wainer |/People/W/Wainer-David", "Adam Walji |/WaljiAdam", "Alana Walter |/WalterAlana", "Daphne Wang |/WangDaphne", "Jason Wang |/WangJason", "Julia Qian Wang || Julia Wang|/WangJulia", "Kathleen Wang |/WangKathleen", "Maureen M. Ward || Maureen Ward|/WardMaureen", "Philip B. Ward || Philip Ward|/WardPhilip", "Mykala Way |/WayMykala", "Brendan J. Weiler || Brendan Weiler|/WeilerBrendan", "Katelyn Weller |/WellerKatelyn", "Samantha Weng |/WengSamantha", "Adam Weryha |/WeryhaAdam", "Ashley M. White || Ashley White|/WhiteAshley", "Jacquie White |/WhiteJacquie", "Venetia E.K. Whiting || Venetia Whiting|/WhitingVenetia", "Riley Whitlock |/WhitlockRiley", "Wayne R. Whitlock KC|| Wayne Whitlock|/WhitlockWayne", "Adam J. Williams || Adam Williams|/WilliamsAdam", "Connor Wilson |/WilsonConnor", "Michelle M. Wilson || Michelle Wilson|/WilsonMichelle", "John (Jay) A. Winters ||Jay, Jay Winters John (Jay) Winters|/WintersJohn", "Xenia Wong |/WongXenia", "Stirling H.G. Wood || Stirling Wood|/WoodStirling", "Cheryl M. Woodin || Cheryl Woodin|/WoodinCheryl", "Frances Wu |/WuFrances", "Vincent Yagayandi |/YagayandiVincent", "Nicole Yap |/YapNicole", "Dylan H. Yegendorf || Dylan Yegendorf|/YegendorfDylan", "Corey A. Yermus || Corey Yermus|/YermusCorey", "Makda Yohannes |/YohannesMakda", "Edward (Ted) Yoo ||Ted, Ted Yoo, Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Edward Yoo|/YooEdward", "Blair C. Yorke-Slader KC|| Blair Yorke-Slader|/YorkeSladerBlair", "Andrew Young |/YoungAndrew", "Alicia Yowart |/YowartAlicia", "Evana Yukanna |/YukannaEvana", "Michelle F. Yung || Michelle Yung|/YungMichelle", "Belal Zaher |/ZaherBelal", "Asif Zalfackruddin |/ZalfackruddinAsif", "Haley Zerr |/ZerrHaley", "Jie (Kevin) Zhou |/ZhouKevin", "Peter Zvanitajs |/ZvanitajsPeter", "Sean Zweig |/ZweigSean", "Kevin J. Zych || Kevin Zych|/ZychKevin"];</script> </div> </div> </div> </div> </div> <div id="HeaderDropDownExpertise" class="visible-lg visible-md hidden menu-wrapper"> <div class="row"> <div class="col-lg-6 col-md-6"> <div class="menu-wrapper-menu menu-wrapper-menu-correction"> <div class="col-lg-4 col-md-4"> <strong class="header-menu-parent"><a href="/Practices">Practices</a></strong> <br /> <a href="/Practices#Corporate">Corporate</a> <a href="/Practices#Litigation ">Litigation</a> <a href="/Practices#Regulatory ">Regulatory</a> <a href="/Practices#Tax ">Tax</a> <a class="action-link" href="/Practices">View all</a> </div> <div class="col-lg-4 col-md-4"> <strong class="header-menu-parent"><a href="/Industries">Industries</a></strong> <br /> <a href="/Featured/Energy">Energy</a> <a href="/Infrastructure">Infrastructure</a> <a href="/Featured/Mining">Mining</a> <a href="/PrivateEquity">Private Equity & Investment Funds</a> <a class="action-link" href="/Industries">View all</a> </div> <div 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Simon Grant, Kim Lawton, Cheryl Woodin, Robert Staley and Doug Fenton </h3> <div class="content-form"> </div> <h2>CSA Extends Deadline to Delist Stablecoins </h2> <p>The Canadian Securities Administrators (CSA) has once again extended the deadline for registered crypto-trading platforms to address trading in value referenced crypto assets (VRCAs).</p> <p>VRCAs, better known as "stablecoins", are crypto assets designed to maintain a stable or pegged value relative to a specified fiat currency or other asset. Stablecoins have become popular with crypto investors and are frequently used to facilitate the trading, borrowing and lending of other crypto assets.</p> <p>In February 2023, the CSA published <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osc.ca/en/securities-law/instruments-rules-policies/2/21-332/csa-staff-notice-21-332-crypto-asset-trading-platforms-pre-registration-undertakings-changes" target="_blank">guidance</a> indicating that VRCAs may constitute securities or derivatives under Canadian securities law. The CSA noted that investors had suffered harm from the collapse of unregulated VRCAs. The CSA also expressed concern that investors were not receiving sufficient disclosure and that issuers may not be maintaining a sufficient reserve of assets to back a specific VRCA in an unregulated environment.</p> <p>In light of these concerns, the CSA required crypto-trading platforms seeking registration with provincial securities regulators to conduct enhanced due diligence to ensure that the issuer of a specific VRCA maintains an appropriate reserve of assets, and to ensure that issuers provide more disclosure about their governance, operations and reserve of assets to investors. </p> <p>In further <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osc.ca/en/securities-law/instruments-rules-policies/2/21-333/csa-staff-notice-21-333-crypto-asset-trading-platforms-terms-and-conditions-trading-value" target="_blank">guidance</a>, published in October 2023, the CSA expanded on its interim regulatory regime for VRCAs. It also indicated that it would require regulated crypto-trading platforms to delist VRCAs by December 29, 2023, with any VRCAs referenced to the value of a single fiat currency (FBCAs) to be delisted by April 30, 2024. The deadline to FBCAs was subsequently <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osc.ca/en/news-events/news/canadian-securities-regulators-provide-update-interim-approach-value-referenced-crypto-assets" target="_blank">extended</a> to October 31, 2024.</p> <p>Now, with the revised deadline pending, the CSA has once again <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.securities-administrators.ca/news/csa-provides-update-to-crypto-asset-trading-platforms-about-value-referenced-crypto-assets/" target="_blank">extended</a> the deadline for registered crypto-platforms to delist FBCAs to December 31, 2024. The CSA has invited crypto platforms to seek exemptive relief or propose alternatives to address the CSA's investor protection concerns, provided those proposals could be substantially implemented by December 31, 2024. </p> <p>The CSA's willingness to extend the deadline to delist FBCAs in response to feedback from industry participants appears to reflect a recognition that FBCAs have become an important and popular tool in the crypto economy. Since other Canadian regulators have not moved to regulate FBCAs, the CSA and provincial securities regulators continue to search for ways to facilitate transactions in FBCAs through registered crypto platforms, while addressing underlying investor protection concerns.</p> <h2>Bank of Canada Registration for Payment Services Providers to be Open from November 1-15, 2024 </h2> <p>Retail payment service providers (PSPs) doing business in Canada should be aware of the upcoming November 1-15, 2024, temporary registration window for the new regulatory framework under the Retail Payments Activities Act (RPAA) that we have written about in prior <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.bennettjones.com/Blogs-Section/Fintech-in-Canada-Q2-2024" target="_blank">quarterly updates</a>.</p> <p>In order to carry on business as a PSP when the transition period expires in September 2025, PSPs will need to register with the Bank of Canada while a temporary registration window is open from November 1, 2024, to November 15, 2024. PSPs that fail to register during the November 2024 period can register later but must submit their registration at least 60 days before they start conducting retail payment activities. Registrations are made through PSP Connect on the <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.bankofcanada.ca/core-functions/retail-payments-supervision/supervisory-framework-registration/" target="_blank">Bank of Canada website</a>.</p> <p>To determine if registration is necessary, potential PSPs should consider the four-step application test outlined by the Bank of Canada which we have <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.bennettjones.com/Blogs-Section/Upcoming-Retail-Payment-Activities-Act-Regulation-Updates-from-the-Bank-of-Canada" target="_blank">detailed previously</a>. To assist with this determination, the Bank of Canada has also recently released new <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.bankofcanada.ca/core-functions/retail-payments-supervision/retail-payments-supervision-supervisory-policies-and-guidelines/case-scenarios-about-retail-payments-supervision/" target="_blank">“case scenario” fact patterns</a> to help entities determine whether they will be subject to regulation as PSPs.</p> <p>It is crucial for PSPs to use the period between now and the expiry of the temporary registration period on November 15 to assess whether the RPAA applies and to proactively prepare to meet these requirements. The <a href="/Practices-Section/Financial-Services">Bennett Jones Financial Services group</a> can support clients navigating this complex framework.</p> <h2>AI and Innovation in Payments Dominate Money20/20 </h2> <p>Money20/20 USA, the world’s leading fintech show, just wrapped up in Las Vegas. The event welcomed over 10,000 attendees from over 90 countries. It featured the biggest and the most innovative names in financial services who discussed the industry’s most pressing challenges and opportunities.</p> <p>We attended the show and two themes that dominated the dialogue were the role of artificial intelligence (AI) and innovation in payments.</p> <h3>AI</h3> <p>AI was talked about from start to finish and at all points in between at Money20/20. The theme was so pervasive that the conference itself even had its own AI personality (Aiana) that was integrated into some of the sessions.</p> <p>There was no debate that AI promises to bring earth-shifting changes to the financial services industry. But there was a lot of discussion on how to deploy it effectively while maintaining trust in the use of the technology.</p> <p>A session called “The killer GenAI cake ingredients: BigTech, FinTechs, Unicorns and Banks” focused on how to practically integrate GenAI (recipes, processes, ingredients) into a company’s operations. It was emblematic of broader discussions happening at Money20/20. The opportunities are known but the industry is wrestling with how to get there—how to actually bake the cakes. </p> <p>U.S. Securities and Exchange Commission Chair Gary Gensler joined a fireside chat about the rise and dangers of AI washing. Gensler says that companies need to be truthful about their use of AI and associated risks. They should not mislead the public by saying they are using an AI model when they are not, or say they are using an AI model in a particular way but are not doing so.</p> <h3>Innovation in Payments</h3> <p>This year’s Money20/20 also highlighted innovation in payments. For just over a year now, the U.S. Federal Reserve’s new system for instant payments (Real-Time-Rail), FedNow, has been in operation. The service allows for the immediate clearing and settlement of money transfers any time of the day, any day of the year.</p> <p>Over 1,000 financial institutions are currently live on the FedNow Service. Mark Gould, chief payments executive for Federal Reserve Financial Services, spoke about the momentum of FedNow and the benefits of instant payments in catalyzing new opportunities for businesses—such as gaining more control over cash flow and precise timing of payments. Quicker insurance payouts and instant wage payments through early wage access were just two applications of Real-Time-Rail cited by FedNow. We can expect to see even greater innovation in payments as fintechs and financial institutions identify new opportunities to harness instant payments in ways not previously possible.</p> <p><span>Looking ahead, Gould describes this “as the most dynamic decade for payments in history.”</span></p> <div class="disclaimer-brief"> <p><em>Please note that this publication presents an overview of notable legal trends and related updates. It is intended for informational purposes and not as a replacement for detailed legal advice. If you need guidance tailored to your specific circumstances, please contact one of the authors to explore how we can help you navigate your legal needs.</em> </p> <p> <em>For permission to republish this or any other publication, contact Amrita Kochhar at <a href="mailto: kochhara@bennettjones.com">kochhara@bennettjones.com</a></em>. </p> </div> <p> <a href="?pdf=basic&s={99289527-D17C-41C1-BF3F-B34648623F45}&d=November 07, 2024&lang=en">Download PDF</a> </p> </div> <div class="content-menu col-lg-4 col-md-4 social-share"> <h4>Authors</h4> <nav role="navigation" class="contacts"> <ul> <li> <img src="/-/media/Images/BennettJones/People/Flynn_Matthew.png" alt="Matthew Flynn" /> <span class="contacts-title"> <a href="/FlynnMatthew">Matthew Flynn</a>, <em>Partner</em> </span> </li> <li> <img src="/-/media/Images/BennettJones/People/Grant_Simon.png" alt="Simon Grant" /> <span class="contacts-title"> <a href="/GrantSimon">Simon Grant</a>, <em>Partner </em> </span> </li> <li> <img src="/-/media/Images/BennettJones/People/Lawton_Kim.png" alt="Kim Lawton" /> <span class="contacts-title"> <a href="/LawtonKim">Kim Lawton</a>, <em>Partner</em> </span> </li> <li> <img src="/-/media/WOODIN_Cheryl-Profile.png" alt="Cheryl M. Woodin" /> <span class="contacts-title"> <a href="/WoodinCheryl">Cheryl M. Woodin</a>, <em>Partner</em> </span> </li> <li> <img src="/-/media/Images/BennettJones/People/Staley_Rob2/Staley_Rob.png" alt="Robert W. Staley" /> <span class="contacts-title"> <a href="/StaleyRobert">Robert W. 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