Concerns over competing interests between FinTech startups and financial incumbents have existed since the start of the process. Governance is the latest battlefront
Morrow expects the Bank will begin registering payments service providers in 2024 
Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Payments, Transfers, Rewards
Lyn Alden Analysis: A Look at the Lightening Network
Lyn Alden | August 2022
This article examines the relationship between a monetary asset being a store of value vs being a medium of exchange. Specifically, it focuses on the scaling method of the Bitcoin network as its main example, but also takes a broad look at the history of trade-offs in the cryptocurrency space as well to see why a layered approach makes the most sense.
The primary goal of this article is to examine the topic of how bitcoin has evolved as a medium of exchange, and more broadly to analyze the order in which new monetary assets can be accepted as a store of value and a medium of exchange. As a big part of that, I’ll include an analysis of the Lightning network, which is a small but fast-growing payments layer that is interwoven into the Bitcoin network. Here are the sections of this article:
- Summary Points
- Store of Value vs Medium of Exchange
- Bitcoin and Lightning: Scaling in Layers
- How the Lightning Network Works
- Lightning Network Critiques
- Concluding Thoughts
Intro
This article is long, so I’ll summarize the main points up front here, and then spend the rest of the article diving into the details.
-A truly decentralized and permissionless payment network requires its own underlying self-custodial digital bearer asset. If instead it runs on top of the fiat currency system or relies on external custodial arrangements at its foundation, then it is neither decentralized nor permissionless.
See: The Most Efficient Payment System In The World: Bitcoin And The Lightning Network
-In order to create a truly new digital bearer asset that is useful for payments in the long run, it must also be an attractive store of value, so that a meaningful percentage of the population begins to persistently hold it as some percentage of their liquid net worth and be willing to accept it for goods and services.
-In other words, in order to create a decentralized version of Visa, beneath that you must first create a decentralized version of Fedwire, and along with that you must first create a decentralized version of digital gold. It’s hard to envision any other path succeeding.
Continue to the full article --> here
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, 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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Popular Payment Methods in the Canadian Gaming Industry
Sep 9, 2022
The gaming industry in Canada is on the upswing at the moment. Significant growth in the iGaming industry occurred during the pandemic. Every day a large number of users come to online casinos. When choosing a suitable playground for games, clients are guided by several factors at once. The number of available payment methods is the primary criterion for selecting the best site. It is essential for the client to be able to easily, quickly, and safely withdraw the received winnings from the online casino.
The player is also interested in what kind of bonuses are available on a particular site. One of the popular types of promotions is free spins Canada. The client can receive additional winnings at the play casino when using free spins. Another standard bonus is an additional amount to the deposit when replenishing the account. Most often, the promotion is valid for new customers at the first replenishment of the account. To pick up the casino win, you must fulfill the wagering requirements. Only the game for real money in the games determined by the administration is considered. The wagering conditions stipulate how much the client must spend on bets to withdraw the money.
Below, we will explain what payment methods are available at Canadian casinos. Most often, customers are offered to make a payment using Visa, MasterCard, Neteller, PaySafeCard, ecoPayz, Interac Online, PayPal, and so on.
TOP 3 popular payment methods in casinos in Canada
Online casino users often use PayPal, ecoPayz, and Interac Online for settlements.
PayPal
The company occupies a leading position in the field of financial transactions around the world. Most online casinos in Canada support this payment method. The method is suitable for customers looking for a quick way to withdraw winnings. The process of using PayPal is straightforward. Before playing casino, the user needs to replenish the account.
The client must follow the step-by-step instructions:
- The user must log in to his account using his username and password. Next, go to the "Cashier" section. The player then selects PayPal from the list of suggested payment methods.
- The client enters the amount of money deposited into the account. Previously, the player needs to familiarize himself with work conditions at a particular site. The administration indicates information on the minimum deposit amount.
- The player confirms the transaction. Replenishment of the account is instantaneous. The money will be credited to the game account within a few seconds.
After replenishing the account, the client can bet, take part in promotions and use the bonuses offered by the online casino.
How to withdraw money from a casino using PayPal
The client should carefully read the terms and conditions of a particular casino. So, he will understand what restrictions and requirements apply on the site.
To withdraw money, you need to take 3 steps:
- Go through the verification procedure. To accomplish this, the client should fill in all the questionnaire information in the Personal Account. Additionally, he attaches scans of the passport and other required documents. All photographs must be of good quality. The information will be used to compare the questionnaire data. The administration at some sites utilizes video communication for customer checks.
- The player needs to go to the "Cashier" section after passing the verification. Choose PayPal from the suggested payment methods.
- The user specifies the amount of money to be withdrawn to the account. The withdrawal amount must comply with the limits set in the online casino.
The funds will be transferred to the payment system account shortly. . The administration processes applications within 1-2 days from the submission date.
EcoPayz
EcoPayz is an electronic wallet popular in many countries, including Canada. The wallet was launched on the market in 2000 under the name ecoCARD. In 2013, the company rebranded. The wallet received a new name and expanded the list of functions available to customers. The payment method is in high demand in Canadian casinos. The wallet lets you quickly replenish your account and withdraw money without delay.
How to deposit with ecoPayz
The procedure for replenishing an account is similar to the process of using other electronic wallets. The client must ensure that a particular online casino supports this payment method.
Casino tips for depositing with ecoPayz:
- The user needs to ensure that the wallet is activated and verification is passed to confirm the owner's identity.
- The player selects the appropriate payment method in the Cashier menu.
- You have to link your casino account with your e-wallet. To complete this, the user must to follow the instructions on the screen.
- Specify the amount by which you need to replenish the account. Almost instantly, it will appear on the deposit after payment.
Similarly, transfers of winnings to an electronic wallet are carried out. Then the client can use the received money to pay for services, transfer to a bank card, etc.
Interac Online
Interac Online is one of the most secure payment methods in the country. The platform was developed in Canada. Currently, it is part of the financial and banking system of the state. Most residents prefer this system when making online payments, including for online casino settlements. With Interac Online, you can make fast, convenient, and secure online payments.
See: Bank of Canada: The Latest on Retail Payments Supervision and Survey
This method of making deposits is found in almost all online casinos operating in Canada. Since the payment method is part of the country's financial and banking system, making payments has several features. Particularly, the casino client will need to enter their bank details.
The account replenishment process itself involves the following steps:
- The client logs in to the casino and goes to the "Cashier" section. Among the available payment methods, he chooses Interac.
- Enter the necessary banking information. Before proceeding, you have to check the correctness of the entered details.
- The user specifies the amount to be credited to the account.
After confirming the transaction, the money will be in the game account. Further, the client can play gambling for real money and participate in promotions and promotional offers.
What other payment methods are supported at casinos in Canada
Several more payment methods can be used to make payments at online casinos in Canada.
Bank transfers
One of the first payment methods that Canadian gambling establishments began to support. Many customers still prefer to use it to make payments. Nevertheless, the method has several drawbacks – the funds are credited to the account only a few days after the transaction and the client is required to indicate his bank details when making payments.
Prepaid cards
This method may be the best option for gamer who does not want to disclose their bank card or e-wallet number when interacting with an online casino.
Another plus of this method is that the client gets complete control over his bankroll. He will not be able to lose more money than was originally on the prepaid card's balance. To make a deposit, you will need:
- Go to the cashier section. Choose prepaid cards from the available payment methods.
- Enter the PIN code indicated on the purchased card.
- Wait until the money is credited to the account.
Many companies distribute prepaid cards in Canada. The most famous providers are Revolut, Paysafecard, and Neosurf.
Electronic wallets
It is the payment method of choice for many Canadians. The reason for this is the availability of the payment system and the high speed of transactions. Electronic wallets are a gateway between a bank account and a merchant. The client gets the opportunity to replenish the account without disclosing his banking information. There are not as many online wallets available in Canada as there are in Europe. At the same time, payments can be made using PayPal, Google Pay, Apple Pay, EcoPayz, WebMoney, and MuchBetter. The list of supported systems will depend on the casino's features.
Mobile payments
Mobile payments are becoming more popular every day among online casino account holders. You can top up your account in Canada using operators Bell Canada and TELUS Mobility.
See: Crypto Payments Report 2022: How digital currencies are revolutionizing commerce, corporates and culture
The method is suitable for players who need to replenish their accounts with a small amount quickly. The disadvantage of this replenishment method is that it cannot be used to withdraw funds.
Cryptocurrency
Cryptocurrency is the most innovative way to deposit at Canadian online casinos. Payment with digital money appeared not so long ago, so now, not all playgrounds support this method. Clients choose to replenish their accounts with cryptocurrency due to several advantages of this method:
- Complete payment security. The client does not indicate any of his data when making transactions. There is no hazard of information theft by fraudsters.
- High speed of payments. On average, money is credited to the account within a few minutes. Withdrawal operations are also carried out quickly.
- Payments are tax-free in most countries. So the client can save on transactions.
How quickly will the money be credited to the account
The speed of withdrawing cash from Canadian casinos will depend on some factors:
- Selected withdrawal method;
- The time of the payment. Money is withdrawn faster during the day. In the evening, at night, on weekends and holidays, there are often delays;
- The casino where the client is currently playing. The more famous the casino, the faster the moderators process withdrawal requests.
Casino life hacks – choose cryptocurrency or virtual payment systems for withdrawal, so the money won will be credited to the account faster. Withdrawing money to bank cards is the slowest.
Conclusion
Canadian online casinos offer a wide range of deposit and withdrawal methods to their customers. Before conducting transactions, the client should ensure that the platform operates within the framework of the current legislation. Only licensed sites guarantee compliance with all agreements. If the client cannot solve the problem through the administration of the online casino, he can always contact the regulator. The withdrawal method is mainly decided depending on many factors. Clients need to pay attention to the speed of transaction processing, limits, and the size of the current commission.
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, 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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Canada’s Open Banking Working Committees Flag ‘Governance’ as the Latest Gap
Betakit | | Sep 6, 2022
Concerns over competing interests between FinTech startups and financial incumbents have existed since the start of the process. Governance is the latest battlefront
- Working group participants from the FinTech community and those familiar with the talks expressed concern that delaying governance decisions could hamstring the system, leaving Canadians without recourse if their data or accounts are compromised. FinTech participants are also concerned they would be left without recourse in disputes with other financial institutions.
- Canada’s future open banking system will need some form of governance entity to handle dispute resolution between participants, ensure compliance with accreditation requirements, respond to security incidents and assign responsibility for remunerating consumers who’ve been harmed by possible data breaches or stolen funds, according to the advisory committee’s final report, released in August 2021.
NCFA Canada's Open Banking Journey Series:
- In response, Two FinTech industry associations (FDATA and PayTechs) have moved to address those concerns by developing or submitting their own reports on future governance options, BetaKit has learned.
- Another working group participant from the FinTech space said the fact that the technical standards for APIs and governance options have been missing from the discussions so far “candidly was concerning.” They noted that there are several options Tachjian and the finance ministry are considering regarding API standards, but “we don’t have a clear indication of what that answer is going to be.”
- Concerns over competing interests and competitive advantages regarding access and authority between FinTech startups and financial incumbents have existed prior to the release of the open banking report. The most recent flare-up came over frustrations with an early draft version of the CIO Strategy Council’s (CIOSC) minimum viable framework for consumer-directed finance, which some feared would give banks a competitive advantage over startups regarding authentication, consent and data transfer methods. Governance seems to be the latest battlefront.
Continue to the full article --> here
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, 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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Card Usage is Declining to Digital Wallets: Fee Structure is Unsupportable and Facing Competition
Cashless | Rich Turin | Aug 27, 2022
FIS Global Payment report: here
“Mobile wallets’ share of global POS transactions jumped over 21% YoY in 2021 rising to 28.6% of global POS transaction value, or over US$13.3 trillion.
- Cards are under attack from BNPL, digital wallets, fintechs, and in the near future CBDCs. All will reduce card’s fat margins.
- “Credit card use dropped in 2021 and debit share increased; however, card usage is increasingly shifting to pass-through mobile wallets.
- APAC continues to lead the way in mobile wallet adoption with 44.1% of 2021 POS transaction value; mobile wallets are expected to outpace all other POS payment methods combined in APAC by 2023.”
See: Process Flow Comparison: How VISA Works When Swiping a Credit Card at a Merchant’s Shop VS Digital Wallet
- Globally mobile wallets are expected to rise to 38.6% share (over US$22.7 trillion) by 2025.
- Credit cards are clearly a good business, and while no one disputes their utility, it comes at a cost. How much it’s worth in a new era where digital connectivity is ubiquitous and CBDCs are in use is the question. Source The Economist: here or without paywall here
Digital wallets are “Made in China”
- Excluding China, where mobile wallets account for 54% of all transactions, cash and cards are the leading POS payment method in APAC.
- “Cash represents 16% of regional POS transaction value, yet remains the top payment method in half of the APAC markets in our report, including Indonesia (51%), Thailand (63.4%) and Vietnam (53.8%).
- Despite this, cash is projected to fall to less than 8% of POS transaction value in APAC by 2025.”
See: Will Top of Digital Wallets Threaten Traditional Credit Card Markets?
In South East Asia most nations prefer digital wallets to cards. This makes sense as more than six in ten people in the region are unbanked. Most of these unbanked will never be part of the credit card system and see digital wallets as their entry point to financial inclusion.
Continue to the full article --> here
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, 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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Is Crypto Useful For Online Casinos?
Guest Post | Aug 23, 2022
Cryptocurrency is becoming an increasingly popular payment method across many industries, including retail, entertainment, gaming and even food and drink. More businesses are beginning to accept cryptocurrencies as a form of payment as they develop into useful ways of making payments and add extra benefits to holders as opposed to using the more traditional methods, which include card payments and cash.
Online casinos have been very happy to accept crypto coins as a form of payment from players and all the best online casinos accept payments from Bitcoin, Ethereum, Litecoin and other coins. What we want to look at in this article is whether or not Crypto is useful for online casinos and their players, especially with how volatile it can be.
How Blockchain Gambling Works
So blockchain gambling is actually split into two different forms, there is on-chain and off-chain.
Off-chain gambling is where online casinos will use a third party to convert the cryptocurrency into fiat currency. For example, if you deposit 0.5 BTC and the price is $23,540, then you will get that amount of USD in your casino account, which you are then free to use on all of the games on their platform. Then when you come to withdraw, you can withdraw it as USD to your bank account.
Alternatively, some casinos will allow you to deposit using cryptocurrency and then withdraw with it as well.
Advantages of Crypto Gambling
There are many advantages to gambling using cryptocurrency and here are some of them.
Cryptocurrency is extremely secure, many have two-factor authentication which needs to be passed in order to verify a crypto payment at a casino and also crypto wallets are almost impossible to hack into. This is a good ease of mind for players to know that their funds are safe.
Transactions using cryptocurrency can also be immediate. As players, when we deposit at a casino site, we want the funds to be made available straight away so we can play. Same with withdrawing, there is nothing more annoying than withdrawing your winnings and finding out that you have to wait a week to receive it.
See: Crypto Payments Report 2022: How digital currencies are revolutionizing commerce, corporates and culture
With crypto becoming increasingly popular, it is important for casinos to offer it to players to be able to reach a wider audience. Due to all the advantages of cryptocurrency, there are players that will use it as their primary method of payment, therefore if it isn’t available to them at a particular casino, they will simply find another to play at.
Disadvantages of Crypto Gambling
Cryptocurrency can be unpredictable, it is extremely volatile, which means the price is always fluctuating massively. As players, this can be a positive and a negative. It is not recommended to keep large amounts of money in crypto. Also if the price changes mid transaction then it can cause some issues.
It can be hard to know what is going to happen to coins in the future, making it difficult to know which ones you can and can’t trust.
Is It Worth Having Crypto Payments At Casinos?
Overall we would say that crypto payments are certainly worth having at casinos. It is down to the player as to whether or not they choose to use it and in terms of volatility, that is the risk they will take and if they are willing to do so then it shouldn’t be an issue for casinos. The last thing they want is to lose out on any potential players.
There are the benefits of crypto payments, with how fast it is growing it can also benefit casinos to take crypto payments and have it as an investment. We are having to accept that cryptocurrency is not going anywhere and it is becoming used more and more where possible. If you are a player wanting to use these coins to make transactions then make sure you understand how a casino accepts them and any terms that come with it.
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, 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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BoC: New Retail Payment Regulations Coming –> Fintechs Need To Get Ready…
Betakit | | Aug 17, 2022
Morrow expects the Bank will begin registering payments service providers in 2024
- Of the nearly 700 FinTech companies in Canada, roughly one-fifth offer payment services.
- All money service businesses in Canada are required to comply with anti-money and anti-terrorist financing regulations, as well as privacy and consumer protection laws. However, FinTech firms handling low-value, electronic payments are not overseen by a dedicated central regulator in Canada in relation to how they manage risks, respond to incidents, and protect user funds. But this reality is starting to change.
- The Bank of Canada will soon regulate entities facilitating retail payment functions in Canada, including FinTech firms of various sizes, domestic and foreign.
See: Bank of Canada: The Latest on Retail Payments Supervision and Survey
New retail payment regulations
Ron Morrow, executive director of retail payments supervision at the Bank of Canada:
They need to know that it’s coming, and they need to be ready for this regime when it comes into force.
- The Bank’s role as retail payments supervisor evolved out of the federal government’s 2021 budget, which first proposed to create an oversight framework for payments service providers (PSPs), meaning companies that perform electronic retail payment functions in Canada that are not already governed by other agencies.
- In June 2021, the federal government passed the Retail Payments Activities Act (RPAA), which gave the Bank of Canada the role of regulator in this area.
- Morrow said the Bank of Canada expects 2,000 entities will fall under the new regime. Banks and credit unions, which provincial and federal agencies already regulate, are excluded from the framework.
- The Bank’s current budgeted costs for the regime range from $25 million to $30 million per year, mostly for staff-related expenses, as the Bank plans to increase its currently 35-person team to 110. While these costs are currently being paid for by the federal government, the Bank expects these costs to be recouped by PSPs once the retail payment supervision program is up and running in future years.
Retail Time Rail (RTR)
- Another benefit of the supervisory framework for tech firms relates to Canada’s real-time rail (RTR) system, which is meant to modernize the country’s core payments infrastructure. The system, when completed, will allow for payments to be sent and received within seconds, a much-anticipated capability for FinTech startups. Morrow noted as the new system comes into place, PSPs that the Bank oversees will be “eligible to submit an application” to join the RTR directly.
See: How the Big Five Banks Control Canada’s Payment Systems
- While potential access to the RTR will be a big incentive for tech firms, the Canadian FinTech ecosystem has grown frustrated with the long-drawn-out development of the system. Originally scheduled for launch in 2022, Payments Canada, overseeing the RTR, pushed the launch time back to mid-2023.
Continue to the full article --> here
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, 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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X-Border Payments: European Central Bank Report says CBDCs Could Be ‘Holy Grail’
PYMNTS | Aug 2, 2022
A central bank digital currency (CBDC) could be the “holy grail” for cross-border payments, offering a solution that is “immediate, cheap, universal in terms of reach, and settled in a secure settlement medium,” the European Central Bank (ECB) said in a recent report on identifying the ultimate cross-border payment medium.
“... the interlinking of domestic payment systems and the future interoperability of CBDCs are the most promising avenues,” according to the report, which also concluded that “... Bitcoin is least credible.”
The report points to the greater compatibility CBDCs have with forex exchange (FX) conversions, the upholding of monetary sovereignty, and easy instant payments via intermediaries such as central banks, the report indicated.
See:
PBOC White Paper: e-CNY’s Path to Cross-Border Payments
Half of Multinational Firms Use Digital Currency for Cross-Border Payments (or Plan to)
Some central bankers from the G20, however, have hinted that digital currencies issued by the private sector may have more utility than those issued by central banks. Australian central bank Governor Philip Lowe said at a panel discussion that he’s in favor of a private sector solution over the central bank.
The promise of using CBDCs for cross-border payments depends on the progress made regarding anti-money laundering and counter-terrorist financing compliance measures to ensure straight-through-processing (STP) for the large majority of cross-border payments, according to the report.
Continue to the full article --> here
Download the 59 page PDF report --> here
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, 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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