Buy a Ready-Made Canadian MSB in Hours, Not Months
Acquire a fully registered, FINTRAC-compliant Money Services Business with all 6 permissions. Ownership transfer in 5–8 hours. Compliance program included. RPAA option available.
Canadian MSBs Currently Available
We always maintain a minimum of 10 FINTRAC-registered Canadian MSBs in stock across three tiers. Specific company details available under NDA.
Standard MSB
FINTRAC MSB with all 6 permissions, complete AML program, clean operating history. Banking introductions included.
- FINTRAC registration (all 6 permissions)
- AML/CTF compliance program
- Designated CAMLO + handover
- Clean FINTRAC history
Premium MSB + RPAA
Standard tier plus active Bank of Canada RPAA registration with full safeguarding framework. The strongest Canadian payment authorization.
- Everything in Standard MSB
- Bank of Canada RPAA registration
- Risk + safeguarding frameworks
- Suitable for digital wallets, PSPs, crypto
Enterprise MSB
Premium tier plus established Canadian banking and multi-year operating history. The premium choice for buyers needing immediate banking + reputation.
- Everything in Premium MSB+RPAA
- Active Canadian banking relationship
- Established operating history
- Industry references available
What You Get vs Building From Scratch
Each ready-made MSB skips the 4–8 month FINTRAC review and the $50,000+ compliance build-out. You get a ready-to-operate regulated business.
Avoid the FINTRAC Wait
FINTRAC compliance review takes 3–6 months. Our MSBs are already registered — you operate immediately.
Skip the AML Program Build
$25,000–$75,000 in legal/consulting and 2–4 months to build an AML/CTF program. Already in place with every MSB.
Banking-Ready
Banking is the #1 buyer concern. Standard tier includes introductions; Enterprise tier comes with active Canadian banking.
All 6 Permissions Active
FX dealing, money transfer, virtual currency, money orders, crowdfunding, payment services — all included.
Foreign Buyers Welcome
No Canadian citizenship or residency required. BC and NB have no Canadian-director rule. We close acquisitions worldwide.
Estrella M&A Backed
Pre-screened inventory; SPA drafted by Estrella Fintech M&A legal team; 30 days post-closing compliance support.
The Real Cost of Building From Scratch
A side-by-side look at what it takes to register a new Canadian MSB versus acquiring one ready-made.
| Register New MSB | Buy Ready-Made MSB | |
|---|---|---|
| Total time | 4–8 months | 5–8 hours |
| FINTRAC review | 3–6 months waiting | Already complete |
| AML program | $25,000–$75,000 + 2–4 months | Already in place |
| Banking | 3–6+ months, high refusal risk | Banking-ready |
| Operating from | After FINTRAC approval | Day 1 |
| Hidden risks | Application rejection, scope changes | None — verified pre-purchase |
Our Buyers
From US fintech founders avoiding the 49-state MTL slog, to European EMI holders expanding to North America, to crypto operators building regulated infrastructure.
US Fintech Founders
Avoid the multi-million-dollar US state MTL build-out. Get regulated North American operations through a Canadian sub.
UK Fintechs Post-Brexit
Add North American reach without the UK SMF burden. UK-Canada tax treaty reduces dividend withholding to 5%.
Crypto Operators
FINTRAC virtual currency permission + RPAA. Tier-1 jurisdiction without MiCA overhead. Crypto guide.
Remittance Services
Canada is a major corridor for LatAm, Asia, Africa flows. Regulated standing for cross-border B2C and B2B.
Payment Processors
MSB+RPAA bundle is the Canadian PSP gold standard. Suitable for digital wallets, neobanks, merchant acquiring.
EU EMI Holders
Add North American operations without losing existing EU authorization. Canada vs EU comparison.
Ready to Acquire Your Canadian MSB?
10+ FINTRAC-registered MSBs always in stock. Ownership transfer in 5–8 hours. Foreign buyers welcome. Response under 1 hour.
