Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Innovation and Resources
Which US Stocks Can Be Tokenized and Why?
October 21, 2026 | Insight | Capital Markets Infrastructure And Funding, Digital Assets Blockchain And Tokenization, Wealthtech Investing And Trading
SEC Stock Eligibility, Issuer Objections and the Future of Tokenized Share Trading
On October 20, 2026, the U.S. Securities and Exchange Commission published guidance on tokenized stock trading, clarifying how certain U.S. public shares can trade on blockchain platforms without a company's affirmative approval. The guidance follows the SEC's September 17 Innovation Exemption, which allows limited trading of eligible public stocks through new digital venues. Sixteen companies, including Microsoft, Alphabet and Goldman Sachs, have reportedly objected to having their shares traded on the proposed OKXICE platform.
The exemption doesn't cover every public stock, and companies can block certain trading arrangements. Venues also face limits on which securities they can offer and how much trading they can handle. For investors and market operators, the questions are which stocks qualify, what ownership rights come with the tokens and whether these new platforms can compete with traditional exchanges. The October 20 guidance further explains how the existing exemption works without introducing new regulations.
Which US Stocks Qualify for Tokenized Trading
The SEC allows qualifying venues to trade tokenized National Market System stocks, which generally include eligible shares listed on major U.S. exchanges and certain exchange traded products. The exemption covers qualifying securities tokenized by their issuers and arrangements involving independent third parties. It excludes rights, warrants and tokens that merely track a stock's price without providing the same ownership rights as the underlying security.
The SEC separates eligible stocks into two groups. Tier 1 includes shares in the S&P 500 and Russell 1000, along with certain qualifying exchange traded products. Major companies such as Apple, Microsoft, Alphabet and Nvidia fall within those indexes, although that doesn't automatically make their shares available on a tokenized venue. Tier 2 includes other eligible listed securities outside Tier 1, giving smaller public companies a potential route into these markets.
See: Ondo Gains Wider US Authority for Tokenized Securities
The limits are strict. A qualifying venue can offer up to 75 Tier 1 symbols, with trading in each capped at 0.25% of the stock's average daily share volume during the previous month. Tier 2 allows up to 250 symbols, with a 2.5% volume cap. Related venues must combine their trading activity when calculating these limits.
Consider a Tier 1 stock averaging 10 million shares traded daily. A qualifying venue and its affiliates could trade up to 25,000 tokenized shares per day. A Tier 2 stock with the same volume would have a limit of 250,000 shares. A first breach of a stock's volume limit doesn't automatically require suspension, but subsequent breaches require a three month trading pause for that security.
Investors must receive the same rights and privileges as holders of equivalent conventional shares. That includes applicable dividends and voting rights. The arrangements supporting those rights must be verified, and venues must meet requirements for trading halts, transaction records and technology safeguards. A token offering only synthetic exposure to a share price doesn't qualify under this exemption.
Why Microsoft and Other Companies Are Objecting
OKXICE is one of the first proposed venues testing the SEC's approach. It's a joint venture owned equally by Intercontinental Exchange, parent of the New York Stock Exchange, and OKC USA Holding, part of the OKX group. Its public trading notices describe a platform where approved investors could trade tokenized U.S. stocks against stablecoins using automated liquidity pools instead of a conventional stock exchange order book.
OKXICE plans to use Uniswap v4 technology on the X Layer blockchain to let approved investors trade tokenized stocks through pools of shares and stablecoins. Investors would need to verify their identities and use approved digital wallets. OKXICE says it won't hold customer assets or sell newly issued shares. Publishing its plans doesn't mean the SEC has approved the platform or that trading has started.
OKXICE initially proposed 63 stock symbols from 62 companies. Nine companies had objected by October 15, including Broadcom, Verizon, UnitedHealth, CoreWeave and AppLovin. Reporting on October 19 identified seven more, bringing the total to 16 companies, including Microsoft, Alphabet, Goldman Sachs, Qualcomm, Caterpillar, McDonald's and Western Digital.
One of the 16 objectors, Cerebras Systems, wasn't on the original proposed list. That means 15 of the original 62 companies had objected, leaving 47 without a reported objection at that point. Silence doesn't mean approval. It only means the company hasn't exercised its right to block that particular trading arrangement.
Applied Optoelectronics explained its concerns to The Wall Street Journal. The company questioned whether tokenized trading would benefit shareholders and worried about possible effects on its share price, trading activity and volatility. It also didn't want investors to mistake an independent tokenized offering for one supported by the company.
Under the SEC exemption, companies have 30 calendar days after receiving notice to object. If they object in time, that venue can't offer their tokenized shares under the exemption. The objection doesn't automatically prevent every other form of stock tokenization.
Trading platforms face a separate 30 day requirement. They must publish their operating plans at least 30 calendar days before trading begins. The SEC's October 20 guidance confirms that venues can publish proposed stock lists while companies are still deciding whether to object. They must disclose which decisions remain pending and update their lists as objections arrive or the periods expire.
Andrew Cuomo, co-chair of OKXICE, described the issuer objections as a "natural response". He said the venture expected some companies to wait before participating. Whether that resistance eases will depend partly on how the first venues operate and what benefits they can demonstrate to investors and issuers.
Can Tokenized Stocks Compete With Traditional Exchanges
The potential appeal is clear. Investors could trade familiar U.S. shares outside regular exchange hours, hold them through approved digital wallets and use blockchain systems to complete transactions. But being able to trade at any hour doesn't guarantee liquidity or a competitive price. New venues still need enough investors and market makers to support reliable trading.
OKXICE proposes using automated market makers instead of matching every buyer and seller through a traditional order book. Liquidity providers would supply tokenized shares and stablecoins to trading pools, earning fees while taking market risk. If those pools don't attract enough capital, investors could face wider spreads or prices that differ from the conventional stock market.
Nasdaq has proposed a different model. In September 2025, Nasdaq sought SEC approval for tokenized stock trading within its existing exchange system. Investors could choose traditional or tokenized settlement, with the Depository Trust Company handling the process. The same trading rules, security identifiers and shareholder rights would apply.
Chuck Mack, Nasdaq's Senior Vice President of North American Markets, explained the company's approach.
"Past market failures teach us that it is imperative to ensure governance, resilience, and investor protection are embedded from the outset."
The two companies are taking different approaches. OKXICE plans to build a new blockchain trading platform, while Nasdaq wants to add tokenized stocks to its existing exchange system. Nasdaq's proposal follows a separate regulatory process and predates the October 2026 objections. For investors, the real focus is which approach offers better prices, reliable trading and strong shareholder protections.
Tokenized shares still need to give investors the same ownership rights as regular stocks. That means making sure dividends reach the right people, shareholders can vote and stock splits or mergers are recorded correctly. Investors who control their own digital wallets also need to protect their access keys. Losing them could mean losing access to their investments.
See: GTN Takes xStocks Beyond U.S. Equity Markets
Investor protections can also differ. OKXICE isn't registered as a traditional stock exchange for trading under this exemption, so some rules that apply to established exchanges don't apply in the same way. The SEC exemption is temporary and lasts five years. That gives regulators time to assess how these markets operate before deciding whether to introduce permanent rules.
For Canadian fintech founders, the business opportunities go beyond operating a trading platform. These markets need companies that can protect assets, maintain accurate ownership records, verify compliance and supply trading liquidity. Brokers and transfer agents may also need new technology to connect blockchain transactions with existing securities systems. Demand for those services will depend on whether investors actually use the new markets.
Canada is also looking at how tokenized securities could trade under its own rules. In March 2026, the Canadian Securities Administrators launched Project Tokenization to explore trading, custody and settlement of digital securities. The initiative has since engaged more than 240 organizations, as reviewed in NCFA's capital markets innovation analysis. Unlike the SEC, Canada hasn't introduced a comparable exemption for tokenized public stock trading. For Canadian exchanges and fintech founders, the U.S. experiment offers an early look at which business models work and where existing securities rules may need to adapt.
Talking Point
If tokenized stocks attract buyers and sellers, keep trading costs competitive and preserve shareholder rights, they could become a useful alternative. If not, investors may have little reason to move away from traditional stock markets.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Why Investors Still Fall for Charismatic Founders
October 20, 2026 | NCFA Story Intelligence | Capital Markets And Funding, Leadership And Governance, Artificial Intelligence And Data
Theranos, Investor Psychology and the Power of Founder Storytelling
On October 16, 2026, You Can See Everything opened in Canadian theatres. Four days later, the documentary about Elizabeth Holmes is still one of the biggest stories at the North American box office. It opened with about US$15 million from only 855 screens. That's an extraordinary result for a documentary about a founder whose company collapsed years ago and is now serving a federal prison sentence.1
Holmes didn't raise money because investors wanted to lose it. She sold a future that sounded possible, surrounded herself with people whose reputations made belief easier, and built a company whose story moved faster than outsiders could verify the technology. By the time the evidence caught up, investors had committed hundreds of millions of dollars.
What follows is a story of how founder trust becomes part of an investment case and how evidence can lose ground to momentum. The same human problem returns whenever investors finance an uncertain future.
The idea is bigger than the product. Theranos tells investors that its technology can run a broad range of tests from tiny amounts of blood. The company is private, the technology is closely guarded and outsiders have limited access to what happens inside the machines. That secrecy can sound like competitive protection when the founder is believed.
Conviction becomes part of the product. Holmes presents Theranos as a mission driven company that can transform healthcare. Investors hear a founder who appears certain about the future and willing to devote herself to it. That confidence is valuable in a startup because the product, market and operating model are all unfinished. It also makes the founder unusually important to the investment case.
The board looks formidable. Fortune described Theranos in 2014 as having one of the most illustrious boards in American business. George Shultz, Henry Kissinger, William Perry, Sam Nunn, James Mattis and other prominent figures gave Holmes access to experience, networks and public credibility that most young founders could never assemble.4
The board can't substitute for technical oversight. A famous director can open doors and challenge strategy. That doesn't automatically give a board the scientific depth to test a diagnostic platform. Prestige can make a young company look safer while leaving the hardest operating question untouched.
The numbers make the story feel real. A multibillion dollar valuation, hundreds of millions raised and national retail partnerships give investors familiar business signals. Those signals usually matter. They become dangerous when investors start treating them as evidence about the one thing the company still has to prove.
The media helps close the loop. Holmes becomes a symbol of Silicon Valley ambition. WIRED has now revisited its own 2014 coverage and acknowledged how media enthusiasm helped amplify the founder story before the science received enough scrutiny.7 The founder earns attention because investors believe. Investors see attention and find another reason to believe.
Good diligence can still ask the wrong question. Investors may spend weeks testing market size, legal structure, partnerships and founder references while the core product remains difficult to inspect. A deal room can contain thousands of pages and still miss the fact that matters most.
The founder can become the gateway to the evidence. That creates a dangerous loop. Investors trust the founder enough to accept the materials, then use those materials to decide whether they should trust the founder. Independent verification has to break that loop.
The criminal case narrows the facts. In January 2022, a federal jury convicts Holmes of conspiracy to defraud investors and three counts of wire fraud tied to transfers totalling more than US$140 million. The jury acquits her on patient related conspiracy and several patient fraud counts, while other investor counts end without a unanimous verdict.10
The sentence makes the cost tangible. In November 2022, Holmes receives 135 months in federal prison. She begins serving the sentence in 2023. The SEC had put the investor principle plainly years earlier when it said investors are entitled to “complete truth and candor” from companies and executives.11
The audience knows how the story ends. That makes the continuing fascination more revealing. People aren't buying tickets because the verdict is unknown. They are watching because confidence, ambition, deception and failure are still compelling human material.
Persuasion still moves money. Canadian investors see the same mechanism in a different setting. How AI Is Changing Canadian Investors’ Decisions found that 84% of surveyed self directed investors used AI, financial creators or both. Technology changes the channel. It doesn't remove the human desire to find someone or something that makes uncertainty feel easier.
Founder conviction still has value. Early stage investors are paid to finance businesses before every answer exists. A founder who can't make others believe in an uncertain future may never recruit the team, customers or capital needed to build it.
Conviction needs independent evidence beside it. Customer calls, production data, technical review, board oversight and financial reconciliation give investors something that doesn't depend on the founder's version of events. The earlier the company, the more important it becomes to know which assumptions are still beliefs.
The Next Founder Won’t Look Like Elizabeth Holmes
Holmes is in prison, Theranos is gone and investors now know how the story ended. That makes the mistakes look obvious in hindsight. They were much harder to see when the company was raising money, signing national partners, attracting famous directors and appearing on magazine covers.
The next founder who lets belief outrun the evidence will probably look nothing like Holmes. The company may be building AI, financial infrastructure, robotics, biotech or something investors have not learned how to value yet. The founder may have respected backers, impressive customers and a demonstration that makes the future feel close enough to touch.
Early founders often have to sell conviction before the product, revenue or market fully exists. That's part of building a venture, not evidence of deception. Investors are financing a future that has not happened yet, so imagination belongs in the deal.
The line gets crossed when aspiration is presented as fact, a controlled demonstration is presented as independent proof, or hoped for traction is sold as something already verified. A founder can sell why the future might happen. The investor still has to know what is already true.
Questions for the Next Deal
- Will AI investors demand more independent product and customer verification as valuations rise?
- Can startup boards challenge charismatic founders without removing the conviction that helped build the company?
- Will venture investors change diligence when founder reputation becomes part of the valuation?
- Can founders prove ambitious claims without slowing the speed that makes startups competitive?
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Ownright offers a current founder case where credibility comes from operating evidence, regulatory fit, customer execution and a system that has processed more than $2 billion of transactions.
MARKET ACTIVITY
FNZ Turnaround Tests La Caisse and Canadian Pension Capital
Repeated capital raises and management changes at FNZ show what investor conviction looks like after the cheque is written, when ownership starts turning into active governance.
NCFA INSIGHT
Canada’s Early Stage Startup Funding Funnel Narrows
A tighter Canadian funding market raises the stakes for founders trying to earn attention and for investors deciding which stories deserve scarce early stage capital.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Can Canada’s Green Taxonomy Rebuild Investor Trust?
October 20, 2026 | Last Updated: October 21, 2026 | NCFA Story Intelligence | Sustainable Finance And ESG, Investment And Capital Markets, Regulation And Policy
How Sustainable Finance Promises Grew Faster Than The Proof Behind Them
On October 20, 2026, Canada’s Taxonomy and Transition Planning Council released its final sustainable investment methodology. Canada now has a common way to assess green and transition activities after years of greenwashing disputes over financial products and bank commitments. Ottawa backs and funds the initiative, while an independent council develops and approves the standards. Adoption is voluntary, and detailed sector tests are still being written.
Canadians wanted products and investments that reflected their environmental priorities. Financial institutions saw customers, assets, lending opportunities and a stronger public story. Funds, ETFs, green bonds and huge sustainable finance commitments followed. Then investors started looking more closely at the holdings, counting rules and environmental results behind those claims.
What follows is a story of growing investor demand, billions in financial promises, and the widening gap between what institutions marketed and what they could prove.
Customers start asking for proof. Canadian environmental labelling programs such as Environmental Choice and EcoLogo bring product claims into everyday buying decisions during the 1990s. Buyers want to know what a label proves, not simply whether a package looks green. Later, investors bring similar expectations to savings and portfolios. 1
Financial firms see an opening. Responsible investing gains momentum when the UN backed Principles for Responsible Investment launch in 2006. Institutions from 16 countries representing more than US$2 trillion in assets sign on at the New York Stock Exchange. Investors are signalling that environmental, social and governance issues belong in investment decisions, and asset managers have a new market to serve.2
Canadian green bonds find buyers. EDC and Ontario give investors a named framework and intended use of proceeds before the money is committed. Named uses of proceeds give buyers more to check than a broad corporate promise. The proof still comes later. Issuers have to show where the capital went, what was completed and what the project delivered. A successful bond sale doesn't guarantee a successful environmental outcome.
Responsible investing grows beyond niche portfolios. By the end of 2017, Canada counted C$2.13 trillion in professionally managed assets using at least one responsible investment strategy. The Responsible Investment Association’s 2018 report put that at 50.6% of managed assets. The figure included screening and engagement strategies. It was not C$2.13 trillion of new green projects.
The banks raise their targets. As climate commitments become part of banks’ public image, Canada’s largest banks announce targets in the hundreds of billions. Corporate lending, underwriting, advisory work and other eligible services may all contribute under a bank’s methodology. A big cumulative number becomes a prominent measure of progress.
Investors start asking what sits behind the totals. A financing commitment can qualify under a bank’s own rules without proving that the financed activity later cut emissions. As the numbers climb, that gap becomes harder to ignore. Banks are selling sustainable finance. Their critics want to know what the money financed and what changed.Institutional investors were sending mixed signals too. In 2024, How Canadian Institutional Investors Voted on Climate 2024 found support for climate shareholder proposals varied sharply across major Canadian asset managers.
Fund marketing comes under review. The Canadian Securities Administrators issue ESG fund guidance in 2022 and revise it in 2024. Their reviews identify cases where promotional language reaches further than the investment documents support. The revised notice covers 112 prospectus reviews involving 57 managers, plus 39 continuous disclosure reviews involving 35 managers and 50 funds.6
Bank disclosures face formal complaints. By January 2024, Canadian banks face scrutiny over sustainability claims after Investors for Paris Compliance files securities complaints about RBC, TD, BMO, CIBC and Scotiabank. The group challenges how the banks support their sustainable finance claims. The allegations are not findings of wrongdoing. The original complaint sets out what the advocates asked regulators to examine.
RBC puts its counting method on paper. Its March 2024 framework says the bank uses its judgment when assessing eligible transactions. For credit, it can add authorized balances at successive fiscal year ends. The same continuing exposure may therefore contribute in more than one year. That isn't the same as reporting only unique new loans, and it says nothing by itself about the emissions a financed project later avoided.
Then the C$500 billion target disappears. In April 2025, RBC retires the commitment and cites uncertainty around measurement and Canada’s environmental claims rules. The move doesn't prove earlier transactions were misclassified. It does leave investors with a basic problem. A flagship number that once signalled leadership is gone just as scrutiny of the underlying methodology is intensifying.7
The fight moves into investment funds. In 2025, the OSC brings a case against Purpose Investments and CEO Som Seif over 19 allegedly misleading ESG communications made between 2019 and 2023. Purpose and Seif deny wrongdoing. After closing arguments in September 2026, the Tribunal reserves its decision. As of October 20, the allegations remain contested and there is no verified final merits ruling.8
The money stays, but new product launches slow. Morningstar reports C$67 billion in Canadian sustainable fund assets at the end of 2025. Only two new funds launch that year, down from 18 in 2024. The ten biggest net inflow winners attract C$4 billion while the rest lose C$2.9 billion combined. Greenwashing does not explain that result on its own. What the numbers do show is a market where assets keep growing while new money concentrates in fewer products.9
Green claims carry more legal risk. Competition Act changes in 2024 put environmental marketing under closer scrutiny. Parliament changes part of that regime in March 2026 by removing the requirement for business activity claims to follow an internationally recognized methodology. Misleading claims remain unlawful. By then, fintechs face new green claim rules under Competition Act, making documentation and evidence part of the commercial risk around environmental marketing.
The government work began years earlier. The federal Sustainable Finance Action Council receives a taxonomy mandate in 2021. Its 2022 roadmap report proposes green and transition classifications and a governance system, warning that delay could cost Canada investment opportunities. The early ambition to have a fuller framework in place by 2025 passes without one.
Ottawa funds the work but doesn't write the standard. In December 2025, Finance Canada selects the Canadian Climate Institute, working with Business Future Pathways, to support an independent taxonomy process. The federal government provides seed funding and a mandate. The independent Council owns the methodology and approval decisions.10
The 2026 consultation brings the difficult cases into the open. Canada has to decide how to treat investments that cut emissions inside steel, mining, transport and energy without pretending those industries are already green. A proposed emissions abatement category draws particular attention because a project can reduce emissions and still extend the life of a high emitting asset. Council chair Marlene Puffer connects the work directly to investment. “Ultimately, this work will underpin Canada’s ability to compete for capital with our peers around the world.”11
Because the taxonomy is voluntary, banks and fund managers now have a choice. They can align products with the common definitions or continue relying on their own frameworks unless another rule requires otherwise. Investors will be able to see which institutions use the shared standard and which do not.
That choice creates work for fintech firms that can keep the evidence attached to the financing claim. Activity screening, emissions records, approvals and audit trails all need to survive from origination through reporting. Capital is already moving into audit ready ESG software, including Novisto's USD $27 million raise. Banks, asset managers and borrowers will pay for systems that make sustainability claims easier to verify and harder to overstate.
The Promise Meets the Proof
A green label once helped a product stand out. Today, investors can ask much more of the claim behind it. Canada’s banks and fund managers have sold the promise of sustainable finance for years. Investors have answered with real money. The controversies have shown how quickly confidence frays when the language is more impressive than the evidence.
Canada's government backed, independently developed taxonomy gives the market a chance to reset that bargain. It is voluntary, and the technical tests are unfinished. No council can make an old claim true after the fact. Banks can show how a financing decision qualifies. Companies can keep the records behind the claim. Fund managers can tell investors exactly what they own.
Fintech founders have a market in the systems that keep these claims honest. Activity screening, emissions data, traceable loan records and assurance can become products that banks, issuers and investors will pay for. The firms that earn trust won't be the ones making the largest green promise. They'll be the ones that can show where the money went, what changed and who checked the evidence.
What Happens Next?
- Will Canadian banks and fund managers publicly commit to the voluntary taxonomy and disclose which products meet it?
- Can technical criteria accommodate industrial emissions reductions without weakening transition classifications?
- How will smaller companies afford the data, assurance and reporting needed to qualify?
- Will international investors find Canadian labels comparable enough to use across markets?
Related NCFA Intelligence
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CSA Pauses Climate and Diversity Disclosure Rules
Canada paused mandatory climate disclosure rules in 2025 while material climate risks and misleading claims remained subject to securities law. Voluntary standards therefore carry more weight in the market.
NCFA INSIGHT
AI Won’t Solve SME Finance Without Better Data
Sustainable finance breaks down when businesses cannot collect and reuse reliable operating data. Better evidence infrastructure is becoming part of the financing opportunity for SMEs, lenders and fintechs.
NCFA STORY
Sustainability A Must for Fintech Growth
Fintechs face their own sustainability pressures as digital infrastructure consumes more energy and customers expect stronger environmental performance. The business opportunity and the operating risk are moving together.
NCFA VOICES
Businesses Competing on Social Values Use Fintech to Gain an Edge
Long before Canada had a taxonomy, customers were already rewarding companies that reflected their environmental and social values. Fintech gave firms new ways to turn those values into measurable participation.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Why Payments Have Become a Competitive Advantage for Online Casinos
Oct 20, 2026
Ontario's standards for internet gaming say a player's withdrawal must be processed "as soon as is practicable." Five words and no number. The deposit side of the same rulebook is equally short on timing, for a reason that explains most of what follows: the regulator was never trying to set a service level. It was trying to make sure money only moved to the person it belonged to. The rules ask for less than customers now expect, and operators compete in that gap.
Deposits Became Instant Before Anyone Decided They Should
The standard never needed to say "instant". Interac e-Transfer settled the question of what a transfer should feel like years before any regulator wrote a rulebook for online casinos, and operators inherited that expectation whether they had built for it or not. A recent summary of Payments Canada's 2026 trends report puts it in one line: Canadians have already changed how they pay, ahead of the infrastructure meant to carry it.
On the deposit side, the industry has largely caught up. Card rails, e-Transfer and wallet payments all land fast enough that a player rarely notices the mechanism. The effect has been to move the whole competitive question to the other end of the transaction.
Withdrawals Are Where Operators Diverge
Deposits are a payment job. Withdrawals are really a compliance job, which is why deposits are mostly sorted and withdrawals aren't. Before money leaves a regulated Ontario site, the operator has to be satisfied that the person requesting it is the account holder, that the destination account is one the player legally holds, and, where its own risk assessment calls for it, that the source of the funds can be reasonably corroborated. Those are conditions of registration. They take time, and the time is not the same for every customer or every operator.
That variance is the competitive gap. Two operators on identical rails can deliver very different withdrawal experiences depending on how much verification they front-load at sign-up, how they batch outgoing payments, and whether a request made on a Friday evening sits until Monday. The lobby looks the same either way. By including average payout times in its casino reviews, PlayCanada gives readers a way to compare a detail that is often less visible than game selection or promotional offers: how long different operators take to return their money.
The Rail That Will Change This Is Not Live Yet
The Real-Time Rail is the development most likely to narrow that gap, but not yet. The RTR by-law took effect on August 24, 2026. Payments Canada has the system itself launching in the fourth quarter of 2026, with the migration of Interac e-Transfer clearing and settlement running through the first three quarters of 2027.
Until then, an operator promising an instant payout is promising something its own infrastructure may not deliver consistently, and one that quotes a day or two is often being accurate rather than slow. A faster rail will also do nothing to the verification step in front of it. Even with instant settlement, someone still has to decide to release the money.
Open banking tells a similar story on a longer horizon. The consumer-driven banking framework now sits with the Bank of Canada under legislation passed in March, with draft regulations published in June and no coming-into-force date yet. Payment initiation, the piece that would matter to a casino cashier, is a later phase.
What Payments Cost an Operator
Every method on a cashier page carries a cost the player never sees: interchange on cards, per-transaction fees on transfers, wallet provider margins, chargeback exposure, and the staff and software needed for fraud screening and anti-money-laundering reporting on top. Operators serving more than one market add currency conversion on both legs.
The economics push in two directions at once. Offering more methods widens the funnel and raises the cost base. Offering fewer lowers cost and loses the customer whose bank does not support the one method on the list. The usual resolution is to treat the deposit menu as marketing and the withdrawal path as risk management, and that split is why the two experiences feel so different to the person using them.
Why the Canadian Market Makes This Visible
Both open Canadian markets make the gap unusually easy to see. Ontario has had registered private operators since 2022 and Alberta since July; the other provinces each run a single public platform. Operators in an open market all sit under one published standard, so what still differs between them is operational, and nothing operational is more visible to a player than how long money takes to come back.
That is why operator-level payment detail has become part of how those players choose, and why payout time has turned into a figure people compare before they sign up rather than one they discover afterwards. It's the only number on a casino site that tells you about the operator itself rather than its games supplier.
Talking Point
If the Real-Time Rail removes the settlement delay by late 2027, what separates a fast operator from a slow one will be entirely a matter of how each runs verification. Does payout speed stop being a marketing claim at that point, or just become a more precise one?
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Crypto Live News Today: Live Cryptocurrency Graphs, Real-Time Prices and Where to Watch Crypto Live
Oct 20, 2026
Following crypto live news today starts with knowing what changed, then checking the prices and discussion around it. This edition brings together two recent developments, a timestamped Bitcoin, Ether and Solana price snapshot, and practical ways to read charts and choose coverage. The figures are observations from October 22, 2026; the linked resources let you continue checking as the story develops.
Crypto Live News Today: What Is Confirmed?
The news check below was completed on October 22, 2026, at 03:12 UTC. It covers two selected developments, rather than claiming to summarize every event in the market. For readers in Toronto, that cutoff falls on the evening of October 21. Dates should travel with a headline when it crosses time zones.
Solana's Alpenglow upgrade reaches mainnet
The Solana Foundation's Alpenglow update reports that the new consensus protocol is live on mainnet, following activation in epoch 1064 on October 21. Consensus is how validators agree on transaction order and finality: when a transaction is treated as irreversible. The Foundation describes roughly 150 milliseconds as the target finality, not a guarantee for every user's transaction.
The rollout also has a boundary worth retaining in a short summary. The voting component, Votor, is live; the separate block-distribution component, Rotor, is planned for a later release. Describing the entire roadmap as completed would overstate the update. For market readers, a technical milestone gives SOL a specific development to investigate, but does not establish what its price should be.
CME adds Bitcoin Cash and Uniswap futures
CME's listing notice identifies October 19, 2026, as the trade date for Bitcoin Cash and Uniswap futures, including Micro versions. Its current product page marks the contracts as live. This is a derivatives development, distinct from buying BCH or UNI outright on a spot exchange.
The distinction changes how a headline should be read. More instruments can give participants additional ways to express or hedge exposure; they do not demonstrate fresh net buying of the underlying token. Canadian readers should also distinguish a U.S. product listing from permission to access a particular service in their province.
For further reporting, browse crypto live news today on OnCoin, then follow each consequential claim to its announcement or filing. A story about a network upgrade needs different evidence from a story about an exchange listing. Keep those sources separate when several headlines arrive together.
What Real-Time Prices Actually Tell You
Here is a saved snapshot from Coinbase Exchange's public ticker endpoints, collected between 03:05:42 and 03:05:47 UTC on October 22, 2026. Each row is a last trade on that exchange in U.S. dollars. The rows were collected sequentially, not at one perfectly synchronized instant.
| Spot pair | Last trade, USD | Trade time, UTC |
|---|---|---|
| BTC-USD | $82,812.25 | 03:05:40.943 |
| ETH-USD | $2,438.96 | 03:05:43.889 |
| SOL-USD | $105.52 | 03:05:42.839 |
These are historical observations once printed, not executable offers or an automatically refreshing feed. The ticker endpoints return newer observations when queried again. A single quote cannot establish the day's trend or show whether either news item above moved the market.
The same data illustrates why price labels matter. In the ETH response, the last trade was $2,438.96, while the best bid was $2,439.06 and the best ask $2,439.11. The last trade records a completed transaction. Bid and ask describe the best displayed buying and selling prices at the snapshot, which can move before another trade occurs.
The displayed spread was therefore $0.05. That is not the full cost of an order: fees and available quantities still matter. A larger purchase may reach higher offers, while a larger sale may reach lower bids. Coinbase's ticker documentation identifies these fields separately, making it possible to check what a quoted number represents.
Do not mix USD, CAD and USDT figures when comparing screens. USDT is a dollar-linked token, not the same instrument as U.S. dollar cash. Even when two figures look close, the venue, trading pair and observation time must match before their difference means much.
Read Live Cryptocurrency Graphs Around the Event
A chart is useful when it helps answer a specific question: did the move begin before the announcement, continue afterward, or fade? Start with an asset you can identify and an event time you can support. Opening a chart without that question makes it easy to find a pattern that fits whichever explanation you already prefer.
If you need a live cryptocurrency graph, start with OnCoin's market overview and open the relevant asset detail page. Check the available interval and price series. If that view cannot show the historical window you need, use a chart that can; a present quote cannot reconstruct yesterday's trading.
Work through the comparison in this order:
- Match the instrument. Keep the same asset, quote currency and market type. SOL spot and a leveraged SOL perpetual contract can behave differently, especially around liquidations.
- Mark the event correctly. Separate a scheduled rollout time, confirmed activation and a reporter's publication time. For Alpenglow, an old schedule is not interchangeable with a later confirmation that the protocol is live.
- Widen the view. Look at the preceding hours before zooming into smaller candles. A move already underway deserves a different explanation from one beginning after new information became public.
- Add a comparison. Check a broad reference such as Bitcoin over the same interval. If several unrelated assets moved together, investigate a wider market explanation before assigning the entire change to one project's announcement.
Candlesticks summarize the opening, highest, lowest and closing prices within a selected interval, as described in Coinbase's chart overview. A candle still forming has not reached its final close. Avoid comparing that unfinished observation with a completed candle as though both were settled results.
Consider a hypothetical token trading at $2.00 before a headline reaches your feed, then $2.10 when you open the report and $2.12 five minutes later. The move from $2.00 is 6%; the move from $2.10 is about 0.95%. Choosing the earlier baseline makes the apparent reaction much larger. Without the original announcement time, neither calculation identifies the event's effect.
Volume can help show whether activity increased during the interval. It does not reveal traders' motives. Keep its units and venue coverage consistent, particularly when comparing a spot chart with derivatives activity.
Where to Watch Crypto Live
Choose coverage according to the question you need answered. Community discussion is useful for asking a host to explain a term or show a source. An issuer's technical presentation is better suited to understanding its own release. Newsroom video can provide interviews and editorial context, though a recorded segment is not current simply because its topic remains in the headlines.
OnCoin's crypto category is one place to watch crypto live, with navigation for live, upcoming and replay content. Check the session date and status before relying on a statement about what is happening now. This is a route to discussion, not an endorsement of every host or a promise that a relevant session is always broadcasting.
For newsroom coverage, CoinDesk's video hub lists formats including CoinDesk Daily and Markets Outlook. Read each segment's date and subject. For the network story above, the Solana Foundation's upgrade page also links to its own Alpenglow explainer. That material can clarify the design, while remaining an interested party's account rather than independent investment analysis.
During a stream, ask a concrete question: “Which document confirms that this part has launched?” or “Which pair and interval are on screen?” Answers that lead back to something you can inspect are more useful than a confident price prediction. Holdings, sponsorship and affiliate arrangements belong in your assessment of a speaker's recommendations.
See: How Tokenization Became A Business Investors Can Measure
A genuine account can also distribute a false claim. The SEC's January 12, 2024 incident statement documents an unauthorized approval post on its X account three days earlier. For consequential regulatory news, check the formal record rather than stopping at account identity or a screenshot shown on air.
Conclusion
Read the announcement before explaining the price move. Keep the same pair and interval when comparing charts, and choose coverage that helps answer the questions the document leaves open. That gives you a clearer account of an event without requiring an instant market prediction. Accurate news can still be followed by losses, illiquid trading or implementation problems. Keep its sources and dates attached when sharing an update, and revise your account if the evidence changes.
FAQ
Can I follow the news without opening a trading account?
Public announcements, many market pages and some streams can be read without placing a trade. Access and account requirements vary by service. Use the publisher's known website, and avoid signing a wallet message or sending funds merely to read a report. There is no need to create financial exposure to investigate a headline.
What should I do if a live price stops updating?
Check the displayed observation time, the venue's service-status page and a second independent source. A frozen number does not mean the market has stopped moving. Avoid treating a stale quote as an opportunity until you understand whether the problem is your connection, the data display or the trading venue.
How should I handle a correction after sharing a headline?
Post the correction where the original audience can see it, identify what changed and link to the supporting record. Remove malicious links when necessary. Quiet deletion may leave earlier readers unaware of the error, especially if they copied the claim into another conversation.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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How AI Is Changing Canadian Investors’ Decisions
October 19, 2026 | Insight | Wealthtech Investing And Trading, Artificial Intelligence And Data, Risk Compliance And Regtech
Canadian Research Connects AI, Finfluencers and the Future of Investment Advice
On October 19, 2026, Global X Investments Canada and National Bank Direct Brokerage released a Canadian survey on AI and finfluencers in investing, finding that 84% of 834 surveyed self-directed investors use AI, financial influencers or both for investment research and related activities. Some 77% watch financial creators, while 56% use AI for investment research and related activities. The findings raise a new question for Canada's investment industry. Does AI help investors critically assess ideas discovered through social media, or does it reinforce the original recommendation?
The Ontario Securities Commission (OSC) has already tested how investors respond to financial promotions and AI investment suggestions. The new research adds evidence that investors are using these sources together. For Canadian wealthtech firms, winning investor trust increasingly means helping customers assess investment ideas, compare options and make informed decisions before they place a trade. That creates new possibilities for research products and digital advice, along with questions about the information investors rely on.
AI Adds a Second Voice to Financial Influence
The October survey found that 68% of finfluencer viewers also use AI for investing, compared with 14% of non-viewers. Investors use AI to check their thinking, research markets, generate ideas and summarize financial information. Among finfluencer viewers, 83% reported taking some action after consuming content, including learning financial terms (26%), increasing savings (24%) and starting to invest (18%). Not every action involved buying or selling an investment, and the survey doesn't establish that financial content caused the reported behaviour.
Earlier OSC research offers stronger evidence about how promotional content can affect investment choices. In its 2025 finfluencer research, 38% of participants exposed to promotional investment content purchased the featured asset in a simulated portfolio, compared with 8% in the control group. The OSC also tested disclosures, advance warnings and prompts encouraging investors to check accuracy. Each reduced promotional influence, although none eliminated it.
The OSC separately examined AI investment recommendations in 2024. Investors were about as likely to follow investment recommendations from AI as from human financial professionals. They were most likely to follow advice that combined both, although the difference wasn't large enough to be statistically meaningful. Even before the latest survey, investors were open to taking investment advice from AI.
See: Questrade Connects Brokerage Accounts to AI Agents
The research gap is what happens when these influences meet. Consider an investor who discovers a stock through a financial creator and asks AI to evaluate it. The AI response might identify risks the creator missed. It could also repeat promotional claims drawn from the same underlying sources, giving the investor more confidence without adding independent evidence. As AI use grows, testing whether it challenges or reinforces financial promotions will seemingly become a practical investor protection priority.
AI also introduces the possibility of financial content being produced and assessed by automated systems. Digital influencers can generate investment messages, while investors may use another AI service to evaluate those messages. More personalized content could make promotions increasingly relevant to individual interests, but it could also become harder to distinguish independent analysis from repeated marketing claims.
Investors Still Turn to Advisors to Challenge Decisions
Financial creators attract investors who actively manage their portfolios. Surveyed viewers reported an average of 9.9 portfolio adjustments a year, compared with 2.3 among non-viewers. They were also more likely to identify as aggressive investors, at 14% versus 4%. Those differences suggest that many investors consuming financial content are comfortable making decisions and looking beyond their brokerage for information.
Professional judgment still has considerable influence. Some 46% of respondents manage at least part of their investments independently while also working with an advisor. Among finfluencer viewers with an advisor, 84% said creator content had changed that relationship, often by helping them ask better questions or seek confirmation. And 96% of investors combining DIY investing with professional advice said they would pause or reconsider an AI or creator sourced investment if their advisor recommended against it.
Claude-Frédéric Robert, President of National Bank Direct Brokerage, described the challenge:
"It's understanding which sources to trust, how to validate ideas and how to turn information into informed investment decisions."
For advisors, clients who arrive with their own investment research create an opportunity for better conversations. A client may already know a company's growth story, valuation or recent performance but need help assessing portfolio concentration, risk and personal financial circumstances. The advisor's value comes from challenging assumptions and connecting an investment decision to the client's broader financial plan, not simply supplying information the client can now find elsewhere.
AI could strengthen that relationship if firms use it to make research easier to understand and prepare clients for more useful advice. It could also expose weak advice models built around access to information rather than professional judgment. The October findings support interest in combining independent research and human advice, but they don't establish that any particular hybrid model produces better investment outcomes.
AI Could Change Who Influences Investment Decisions
AI is giving investors another place to research stocks, compare ETFs and assess investment ideas before placing a trade. The brokerage that executes a trade may not be the company that influenced the decision. As more investors turn to AI for research, investment platforms risk losing some of the customer engagement that supports trading activity and other services.
AI could also influence which investments investors discover. The sources an AI tool selects and how it compares products may affect which funds, stocks or strategies receive attention. That gives fund providers another way to reach investors while creating new competition for brokerages that traditionally attract customers through their own research and investment offerings.
See: AI Investing Tools and Investor Due Diligence
Canadian wealthtech firms have an opportunity to bring that research back into their platforms. Rather than adding another chatbot, they can help customers verify investment claims against company filings, compare costs and understand portfolio risks. Reliable information and useful comparisons give investors practical reasons to return.
The business model determines how far these services can go. Execution only brokerages can offer education and general investment research without providing personalized recommendations. Registered advisors can use AI to support their work while remaining responsible for meeting applicable advice and suitability requirements. Firms combining digital tools with professional advice may appeal to investors who want to manage their own portfolios but need guidance on important decisions.
Canada already has rules covering much of this activity. In December 2025, the CSA and CIRO issued guidance on finfluencers and securities law, addressing investment promotions, registration, compensation and conflicts. It also covers AI generated digital influencers. Explaining an investment is different from recommending what someone should buy based on their personal circumstances. Firms need to understand where that boundary applies to their AI products.
For fintech operators, the practical questions include where AI gets its information, how it handles misleading claims and when customers should be directed to qualified advice. These choices affect customer trust, compliance costs and the services a platform can offer.
Canada's digital investment advice review has also looked at barriers to online and hybrid advice. As AI adoption grows, investment firms could serve more customers by combining accessible research with professional guidance when needed. The opportunity is to offer something genuinely useful, not simply generate more investment recommendations.
About the survey: The Global X and National Bank Direct Brokerage survey was conducted by RKI in June 2026 among 834 qualifying Canadian DIY investors who used social media and actively sought financial information. Participants needed at least $10,000 in investable assets, or $1,000 if they were under 30. The findings apply to this surveyed group, not all Canadian investors. The earlier OSC experiments used different methods, so their results can't be used to measure changes in AI adoption over time.
Talking Point
AI could become a powerful second opinion on investment ideas, but a second opinion isn't necessarily an independent one. The opportunity for Canadian wealth platforms is to help investors distinguish credible research from repeated financial promotion before confidence turns into a trade.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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KORT Payments to Acquire AptPay for Real-Time Payouts
October 19, 2026 | Market Activity | Payments Infrastructure And Money Movement, Cross Border Payments And FX, Competition And Market Structure
KORT Expands Merchant Processing With AptPay's Payment Rails and Payout Technology
On October 19, 2026, Toronto-based KORT Payments announced a definitive agreement to acquire AptPay, a Toronto payments fintech specializing in real-time transfers and payment orchestration. The deal would expand KORT's merchant processing business into account transfers, customer payouts and cross-border disbursements, giving customers more ways to collect and distribute money through one provider.
KORT is buying established technology and payment connections rather than building them from scratch. AptPay already serves merchants and financial platforms across Canada and the United States. Financial terms weren't disclosed, and the transaction is expected to close in Q4 2026, subject to customary conditions. AptPay will retain its brand, with CEO Shams Syed continuing to lead the business after closing.
AptPay Connects KORT to Seven Payment Channels
KORT processes online and in-person payments for merchants and software platforms. AptPay, founded in 2019, brings access to Mastercard Send, Visa Original Credit Transactions, Interac e-Transfer, EFT, ACH, RTP and FedNow, alongside cross-border payment services. Its technology handles account collections and disbursements through a single integration, with built-in identity verification, anti-money laundering and sanctions screening.
See: Nuvei Buys Payoneer to Expand Global Commerce Reach
The payment methods serve different business needs. An urgent customer payout may use a card network or instant payment rail, while routine supplier transfers can use EFT or ACH. Costs, settlement times and recipient eligibility vary by network. AptPay's orchestration technology allows businesses to manage these payment routes through one integration rather than maintaining separate connections for each service.
The combination broadens KORT's role in customer transactions. A marketplace that collects payments from buyers may also need to distribute proceeds to sellers. Financial platforms handle deposits and withdrawals, while other businesses manage contractor payments and customer refunds. KORT can potentially support more of those activities through the merchant and software relationships it already serves.
KORT Sells Merrco and Expands Its Payments Business
The acquisition follows KORT's decision to narrow its focus. On October 6, the company sold substantially all of Merrco's operating assets to PayFacto. Merrco served Canada's cannabis industry and other specialized merchants. KORT is now concentrating more resources on ecommerce, direct marketing, payments embedded in software and U.S. expansion.
KORT acquired Paysafe Direct's U.S. direct marketing processing business in February 2025 and has been expanding its software distribution channel through Tilled. It has also developed payment connectivity across Mexico, Brazil, Argentina and Chile. The Merrco sale reduces its exposure to a specialized merchant business, while AptPay adds payment capabilities that can serve customers across multiple industries.
KORT's existing distribution network could give AptPay's services a faster route to market. Software platforms already using KORT for payment acceptance may be able to add account transfers and payouts through the same commercial relationship. That could increase transaction revenue per customer without requiring KORT to acquire an entirely new customer base for each service. The economics will depend on pricing, integration costs and adoption.
Canadian fintech Dream Payments expanded U.S. payouts through J.P. Morgan Payments, while other processors are adding embedded payment services. KORT will compete on more than the number of payment rails it supports. Pricing, uptime, settlement performance and ease of integration will influence whether software platforms consolidate more of their payment activity with one provider.
Danny Chazonoff, KORT President and Chief Operating Officer:
"AptPay's real-time payout and orchestration capabilities are highly complementary to our platform, and together we can offer customers a complete money movement solution across North America."
Card acceptance, bank transfers and instant payouts operate under different settlement rules, compliance requirements and funding arrangements. KORT will need to integrate those services while maintaining reliable processing for existing customers.
Talking Point
The acquisition gives it more services to sell through established merchant and software relationships, potentially increasing revenue per customer without rebuilding its sales network. KORT's competitive advantage may come from its existing distribution rather than the technology alone.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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