Insights
Working notes from the Payments Studio on ledgers, payouts, reconciliation and payments regulation in Canada and the US. Each piece is labelled: “Build note” for our own products, “Worked example” for a scenario we have written up. We do not publish client work without written consent.
Articles
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.
Daily reconciliation on a pooled (FBO) account: a checklist
A daily reconciliation routine for fintechs on pooled FBO accounts: three-way matching, break management and the evidence partners and regulators ask for.
Payments Notes, monthly
One email a month on corridors, rails and payments rules for Canadian and US teams.