What we're actually doing
We set up four companies in British Columbia, Canada. For each one, we do the paperwork that lets it legally handle money transfers, currency exchange or crypto, which in Canada means registering it with the regulator, FINTRAC. Once a company is properly registered and has its compliance paperwork in order, we sell it to a real business that needs exactly that. We keep the difference.
What is a "FINTRAC MSB registration", really?
FINTRAC is Canada's financial intelligence agency. Any company that moves money for other people, currency exchange, remittance, crypto trading, has to register with FINTRAC as a Money Services Business, or "MSB."
It is a registration, not a licence. That difference matters and we say it plainly so nobody is surprised later: FINTRAC does not approve or endorse the business. It simply keeps a record that the company exists, knows the rules, and has agreed to follow them. Registering is free. What takes real work, and what we're actually selling, is everything around it: the written policies, the risk assessment, the compliance officer, the training. That is the part FINTRAC checks, and the part most people get wrong.
How long does this actually take?
The idea that "registrations take 6 to 8 months, so people buy them off the shelf" is not accurate, and we want to be straight about that rather than let it sit in anyone's head.
Is there really demand?
Payment and remittance companies from the Gulf, South Asia and Africa regularly want a Canadian presence, for access to Canadian payment corridors and for credibility with their own banking partners. That demand is real in the fintech and compliance advisory world we work in every day.
What we won't do is tell you "companies are queuing up," because we haven't proven that with signed buyers yet. Be clear-eyed with us: this project succeeds if we can find four real buyers within a reasonable window after each company is ready. That is a sales job we have to do, not a guarantee we can make on slide one.
The experience behind this
Fintech & Innovation Ltd is Samuel's established fintech and regulatory advisory practice, working across UAE, Mauritius, Seychelles and Canada. This is not a first attempt at Canadian compliance work.
The 6 were built for our own clients; selling registrations on to third-party buyers is new, which is why Section 07 covers it as the main risk.
What we need from you
Total raise
USD 8,000
Minimum investors
4 people
USD 2,000 per investor. That funds four companies, one company each, at real cost, no markup to you. If more than four people join, we simply set up more companies, in the same USD 2,000 units.
| What USD 2,000 pays for, per company | USD |
|---|---|
| British Columbia incorporation and registered office, first year | 700 |
| FINTRAC registration filing | 300 |
| Compliance paperwork build: policies, risk assessment, training materials | 800 |
| Admin, bank forms, buffer for anything unexpected | 200 |
| Total per company | 2,000 |
What you could get back
USD 25,000 is what a fully registered company with clean paperwork, sold to a real buyer, could reasonably fetch, based on what comparable Canadian compliance and formation work costs when done by a law firm. It is a target, not a promise. Move the buttons below to see how the numbers change under three honest scenarios.
USD 8,000 total, across 4 investors and 4 companies. Fixed, doesn't move with the sliders below, since it's what goes in, not what comes back.
What that means for you: each company that sells at this price pays to each of the 4 investors, split equally.
The risks, in plain language
- We can't find a buyer in time. A registered company with no buyer earns nothing. It just sits there, costing a small amount each year to keep active.
- Something in the company's paperwork gets flagged. If the people behind a buying company don't pass background checks, FINTRAC can refuse or unwind the registration. We screen who we deal with for exactly this reason.
- This takes longer than 6 to 8 months. Because that timeline was never really about the registration, it was about finding buyers. Be prepared for this to take longer.
Straight answers
If you want in
- Step 1. We confirm four investors at USD 2,000 each, or more in USD 2,000 units.
- Step 2. We incorporate company one and complete its FINTRAC registration and compliance file.
- Step 3. We look for a real buyer for company one before starting company two.
- Step 4. Once company one sells, we repeat for companies two, three and four, using the same money, not new money each time.
- Step 5. Proceeds are split equally among investors once each sale actually closes.
This page is a plain explanation for discussion among family and friends. It is not a formal investment offer. Before any money is transferred, we will put the same numbers in a short written agreement so everyone knows exactly what they put in, what they're owed, and when.