Reviewed October 30, 2026
Sources and review dates
Every regulatory statement on this site comes from a primary Canadian source or a published standard. Here they are, with what we used each for.
FINTRAC
- Check if you need to register as an MSB
Dealing in virtual currency; exclusions (page modified 2024-08-22) - Travel rule for electronic funds and virtual currency transfers
In effect June 1, 2021 - Reporting large virtual currency transactions
$10,000 / 24-hour rule; 5 working days - Record keeping for MSBs
$1,000 VC transfer records; five-year retention - Notice: crowdfunding platforms and certain payment service providers
July 21, 2022
Canada Revenue Agency
- Reporting income from crypto-asset transactions
Barter treatment; business vs capital - Collecting and remitting GST/HST from crypto-asset transactions
Page dated 2025-11-10 - GST/HST rates
Rates on or after April 1, 2025
Bank of Canada, Finance Canada and Parliament
- Retail payments supervision (RPAA)
Registration Nov 1, 2024; safeguarding Sept 8, 2025 - Registry of payment service providers
Registry is not a licence or endorsement - Canada’s stablecoin framework
Expected in force 2027 - Bill C-15 (45-1) on LEGISinfo
Royal Assent March 26, 2026 - Lower credit card fees for small businesses
From October 19, 2024
Securities regulators
- CSA update to platforms about value-referenced crypto assets
September 26, 2024 - CSA Staff Notice 21-333 (OSC)
October 5, 2023 (interim terms)
Standards
- PCI DSS v4.0.1
Limited revision; March 31, 2025 date unchanged - BIP-21 payment URIs
Bitcoin URI scheme - EIP-681 transaction requests
Ethereum URI scheme - Ethereum proof-of-stake
Slots, epochs, finality - Payments Canada
Real-Time Rail status
Consumer protection
- Financial Consumer Agency of Canada
Consumer rights and complaints - Canadian Anti-Fraud Centre
Report scams
How we keep this current
We re-check every source before each January and whenever a regulator publishes new guidance, and we update the review date on each page. If you spot something out of date, tell us through the contact form.