BitHarbour is a FINTRAC-registered MSB offering foreign exchange, virtual currency, money transfers, and payment services.
BitHarbour Ltd. is incorporated under Ontario's Business Corporations Act (Ontario Corporation No. 1001339518) and operates as a registered Money Services Business under Canada's federal anti-money laundering and counter-terrorist financing framework.
Headquartered at 200-5700 Yonge Street, North York, Ontario, BitHarbour provides financial services to individuals and businesses through multiple operating divisions, each operating under a distinct trade name within a single, unified compliance program.
Registration with FINTRAC places BitHarbour under continuous regulatory oversight, including KYC procedures, transaction reporting, and responding to lawful information requests from Canada's financial intelligence unit.
Complete our straightforward KYC process. We verify your identity in line with Canadian AML/ATF regulations before you access any services.
Select from foreign exchange, virtual currency, money transfers, payment services, money orders, or cheque cashing — all under one registration.
Conduct your transactions knowing every exchange is FINTRAC-monitored, compliant, and secured under federal Canadian law.
Every service listed below is explicitly authorised under FINTRAC registration C10001222.
Competitive currency exchange for major global pairs, serving retail and corporate clients.
Domestic and international fund transfers with full FINTRAC transaction reporting obligations.
Issuance and redemption of money orders — a secure, traceable payment instrument.
Compliant exchange and transfer of virtual currencies under Canada's crypto-asset framework.
PSP infrastructure enabling secure transactions for merchants and consumers in a regulated environment.
Cheque cashing with mandatory identity verification and reporting as required under federal law.
FINTRAC — the Financial Transactions and Reports Analysis Centre of Canada — is the federal agency responsible for collecting, analysing, and disclosing financial intelligence to assist in the detection and prevention of money laundering and terrorist financing.
Registration as an MSB is a mandatory legal requirement for any business in Canada providing money services. It confirms the business has satisfied all legal requirements to operate and is subject to ongoing regulatory supervision.
The agreements governing our Services and the way we handle personal data. Read them in full below, or download the signed PDF and Word versions.
The Terms governing access to and use of the Services provided by Bitharbour Ltd., trading as SpendLayer — covering regulatory scope, eligibility, fees, payment finality, liability and governing law. Offered to business clients only.
Our DPA sets out how BitHarbour Processes Personal Data on behalf of customers, including security measures, sub-processors, breach notification and international transfers — under PIPEDA, the EU GDPR and the UK GDPR.
These documents form part of your agreement with BitHarbour. The Terms and Conditions govern the Services; the Data Protection Agreement is incorporated into the Principal Agreement and prevails over it in respect of the Processing of Personal Data. Questions? Email info@bitharbour.money.
For all enquiries about BitHarbour's services, licensing, or compliance — please reach out through the SpendLayer Group.
Visit us at
spendlayer.com
Send us a message at
info@bitharbour.money
Verify our FINTRAC registration at the official MSB Registry.
MSB # C10001222
Our team at SpendLayer is here to help. Visit spendlayer.com or drop us an email and we'll get back to you.