Use cases, with honest trade-offs
Where blockchain payments tend to make sense, where they rarely do, and what to read before deciding. No hype in either direction.
Cross-border sales
Foreign customers paying in a stablecoin can avoid card cross-border fees, but conversion to CAD applies to every payment.
Can fitLarge B2B invoices
Fixed network fees matter little on large tickets; wires and EFT are the real comparison. Reconciliation and approvals do the heavy lifting.
Can fitFreelancers paid from abroad
Faster than some international wires, with CRA records to keep for every receipt.
Usually notEveryday local retail
Interac and cards are familiar, cheap at the counter and protect customers; few local shoppers ask for crypto.
DependsPersonal remittances
Spreads and fees vary widely; businesses that move money for others are MSBs under FINTRAC guidance.
Heavy caveatsReal estate deposits
Large, irreversible, targeted by fraud and governed by brokerage and lawyer trust rules. Ask them first.
Test your own case in the merchant scenario builder or the readiness quiz.