Munro Banting Group · Oakville, Ontario
Product development and advisory for regulated, cross-border businesses
Payments products for fintech teams in Canada and the US. Licensing support for doctors, nurses and vets moving to Canada. Practice software for Ontario vet clinics.
Book a 15‑minute call
Product development and advisory for payments and fintech: ledgers, payouts, reconciliation, partner integrations and regulatory preparation.
Licensing and hiring support for doctors, nurses and vets trained in the UK, Ireland and Australia, and for the clinics that hire them.
SimonVet
Booking, records, prescriptions, HST invoicing and a client portal for Ontario veterinary clinics.
Payments Studio
Payments product development for fintech teams in Canada and the US
We work with fintech teams from first partner decision to working software. We map how money moves through your product, choose processors, partner banks and ramp providers with you, prepare the material your bank and counsel need, and build the ledger, payout and reconciliation systems in your codebase.
| Engagement | Duration | Output | Link |
|---|---|---|---|
| Money Movement Audit | 3 weeks · fixed price | Flow-of-funds map, partner and licensing review, ranked risk register, written scope for the next step. | |
| Payments Strategy Sprint | 6 weeks | Partner shortlist and RFP pack, ledger model, licensing path agreed with your counsel, build plan. | |
| Product development | Fixed phases, from 12 weeks | Ledger, payouts, reconciliation and integrations, delivered phase by phase in your repository. | |
| Fractional Head of Payments | About 1 day a week, reviewed quarterly | Partner management, roadmap, design review and readiness for bank and regulator reviews. |
Capabilities
Munro Banting advises, designs and builds. Client funds are held and moved only by licensed partners. Munro Banting does not hold, transmit or exchange client funds.
Case study · Our own product · Early access
FinoGrid: a cross-border payouts SDK we designed and built
FinoGrid is our developer SDK for paying contractors across borders on stablecoin rails, starting with US dollars to Canadian dollars. We built the settlement ledger, the payout state machine, identity and sanctions checks in the payout flow, and an MCP server that lets AI agents request payouts within set limits.
Early access
Licensed partners hold and move the funds. FinoGrid is in early access; we publish what we built and decided, not results.
- SDK or MCP
- Limits and policy
- Identity, AML, sanctions
- Settlement ledger
- Licensed partner
- Payout in CAD
Funds are held and moved only by the licensed partner.
Careers in Canada
Licensing and hiring support for doctors, nurses and vets from the UK, Ireland and Australia
Ontario, British Columbia, Manitoba and Nova Scotia have changed their registration routes for clinicians trained in these countries since 2023 [VERIFY + links: CPSO, BC Gov News, CRNM, Nova Scotia]. The routes differ by province and by profession. We assess which one fits your training, prepare your regulator application with you, and introduce you to clinics that are hiring.
Immigration advice is provided by Sana Waqar, Regulated Canadian Immigration Consultant (RCIC), Sana Immigration Consulting, licence R707540 [VERIFY].
Free for doctors, nurses and vets.We're paid by the clinics and health organizations that hire through us.
SimonVet · A Munro Banting product
SimonVet: practice software for Ontario veterinary clinics
Online booking, video visits and a client portal, with SOAP records, prescriptions and invoices with 13% HST built in. The veterinarian's CVO registration number is shown on every consult record, and finalized records are locked and logged. Plans start at 99 per month [OWNER/VERIFY: currency], with a 14-day trial and no card.
SV-SCREEN · screenshotReal SimonVet screenshot required: day view, CVO header visible. No mock-ups.
How a piece of work runs, in any of our practices
The same five steps, whether it's a ledger or a licence application. You know what happens next and what you'll have at the end of each step.
If the plan won't work, we tell you at step 2 and explain what would need to change.
- 01
A 15‑minute call
You tell us what you're trying to do. We tell you whether we can help, and if we can't, who might.
You getA straight answer
- 02
Questions
We ask about the details that change the answer. For a payments team: volumes, partners, countries and compliance. For a clinician: training, registration and timing.
You getA short list of what matters
- 03
A written plan
The steps, who decides each one, how long it should take and what it costs. Nothing starts until you agree to it.
You getA plan with time and cost
- 04
The work
We do it with you: the ledger and integrations, or the regulator application and introductions to clinics.
You getWorking software, or a complete application
- 05
A review
We check the result against the plan and fix what's off.
You getA written review
Insights
Insights: working notes on ledgers, payouts and payments regulation
Designing a settlement ledger for USD to CAD stablecoin payouts
The account structure, entries and invariants we used in FinoGrid to keep a two-currency payout ledger reconciled through a stablecoin conversion step.
When a payout fails after conversion: states, holds and reconciliation
What happens to the ledger, the customer and the funds when a cross-border payout fails after currency conversion, and how we model it.
Registering as a PSP under the RPAA or operating under a partner: an operational checklist
The operational work behind RPAA registration compared with operating under a registered partner: safeguarding, risk frameworks, reporting and bank access. Preparation, not legal advice.
How we're paid, and how to check us
Payments Studio
Clients pay for engagements under a written engagement letter. If a partner pays us a referral fee, the engagement letter says so. FinoGrid is owned by Munro Banting. We say so whenever we recommend it.
Careers in Canada
Free for doctors, nurses and vets. We're paid by the clinics and health organizations that hire through us. We never ask a clinician for money at any stage.
SimonVet
Clinics pay a monthly subscription. Prices are published.
Immigration advice is provided by Sana Waqar, Regulated Canadian Immigration Consultant (RCIC), Sana Immigration Consulting, licence R707540 [VERIFY]. Check the CICC public register. Our application for an Ontario recruiter licence is in progress. We will publish the licence number here when it is issued. [OWNER: confirm status] [LEGAL] Munro Banting Inc., Oakville, Ontario.
Start with a 15‑minute call
Tell us what you're building or planning. We'll talk it through and agree the next step from there.