Advisory for financial
institutions and fintechs.
We help launch financial products, structure banking and payment partnerships, and run finance operations, including digital assets.
- FocusFintech infrastructure and digital assets
- ClientsBanks, fintechs and other financial firms
- ModelScoped in writing before work starts
- Based inMontreal, working across Canada
Launching a financial product now depends on partners, payment infrastructure and, increasingly, digital assets. The work that makes it sound is often not done: a business case that holds up, partner terms that work, and a finance function and controls that stand up to an audit.
Three practices
Each practice supports an initiative from the first decision to day-to-day operation.
Strategy
Banks, credit unions and wealth managers
The innovation office you do not have: business case, partner selection and terms, and a launch that risk can approve.
- Product business cases
- Partner and processor selection
- Commercial terms
- Launch and governance
Treasury
Family offices, companies and institutions
Policy, liquidity, settlement and controls for organizations that move money or hold digital assets.
- Treasury policy and limits
- Liquidity, settlement and reconciliation
- Custody and control design
- Stablecoin payment operations
Finance and operations
Fintechs, dealers and trading platforms
Finance leadership for fintechs, dealers and trading platforms, including CFO coverage for registered dealers.
- CFO coverage
- Unit economics and profitability
- Automation and AI in finance
- Bank and regulator readiness
What institutions ask us
These are the questions that start most engagements.
Should we launch a card or payments product, and on what economics?
Which bank, processor or custody partners should we choose, and on what terms?
How do we manage liquidity, settlement and reconciliation across partners?
How should we hold digital assets or stablecoins ourselves, and who signs off?
What will our auditors, regulators and bank partners ask to see?
Who can act as CFO for a fintech, dealer or trading platform?
Sample structure
Digital asset treasury policy
Policy approved by the board or investment committee.
Outline only. Not client work.
Documents your committees can approve.
Every engagement ends in written work that is yours to keep: a board paper, a policy, a control matrix, a due diligence package. Written for your institution, reviewed with your risk and compliance teams, and handed over so that you can run it without us.
Three ways to engage
Every engagement is scoped in writing before it starts.
One decision, delivered
A fixed-scope engagement that ends in one decision-ready document, such as a board paper, a partner selection or a treasury policy. It is the usual starting point.
A defined project
A project such as launching a card or payments product, piloting a digital asset service or preparing a firm for a bank or regulator review, delivered against agreed milestones.
Leadership inside your team
Ongoing senior finance and strategy leadership. This is where CFO coverage for fintechs, dealers and trading platforms sits.
Built by Canadian fintech operators.
Our approach comes from running this work inside a fintech and digital asset company.
- Finance and treasuryRan finance, treasury and reconciliations for a Canadian digital asset company.
- Automation and AIAutomated accounts payable and month-end close, with controls kept in place and AI working under human review.
- Partnerships and productsWorked on card programs, pricing and launch decisions, and negotiated terms with banks and processors.
Perspectives
Practical thinking for institutions working through product, partner and digital asset decisions.
Canada's Stablecoin Act: what it says and what to check
A summary of the federal framework for stablecoin issuers, and the questions it raises for institutions that distribute, accept or hold stablecoins.
ReadSix questions to settle before a digital asset initiative starts
The questions risk, compliance and finance ask first, and a way to answer them in writing before selecting a vendor.
ReadWhat a digital asset treasury policy should cover
An eight-section outline for a policy that governs how an organization holds, moves and reports digital assets.
Read