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Digital assets, blockchain, AI and cybersecurity, covered for Canada. Canada's first crypto newsroom, since Canada Day 2017.

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Crypto regulation in Canada

35 pieces · 14 tracker entries · 2 companies

Canada regulates crypto through existing law rather than one crypto act: securities regulators for trading platforms and crypto contracts, FINTRAC for anti-money-laundering, the Bank of Canada and OSFI for payments and prudential rules, Parliament for stablecoins, and privacy law for the AI that now sits inside all of it. This page is the compliance officer's map: the law tracker for status and dates, and the reporting that explains what each change means.

Every tracker entry carries its primary source and a last-verified date. Entries older than 90 days are flagged for re-checking, and corrections are published openly.

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The 2026 AI rules explainer

Canada's AI rules in 2026: what died with AIDA, and what crypto and fintech firms answer to now

There is still no general AI statute in Canada. What applies instead is a patchwork with dates attached: CSA Staff Notice 11-348 for registrants, OSFI's Guideline E-23 from May 1, 2027, privacy law today and Bill C-36 tomorrow, and a national strategy that promises certification and a transparency regime. Here is the map, with every rule linked.

Chris · 10 min read ·

AI agents that pay: how machine payments work on x402, the XRP Ledger and Tether's wallet toolkit, and what a Canadian builder answers to

Millions of payments a day are now made by software rather than people: an AI agent hits an API, gets an HTTP 402, pays a fraction of a cent in a stablecoin and retries. This guide explains the three systems doing most of it in September 2026, what the numbers really show, and which Canadian rules a builder trips over.

8 min read ·

Rules and bills

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Coverage

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AI might trigger the next financial crisis, and the time may be closer than you think

A video watched 2.4 million times says an AI will empty your bank account and move you onto digital dollars. The startling part is how much of it is documented: an AI really did break out of a lab and hack a company, and the Bank for International Settlements says the window to respond to an attack is now measured in hours. We graded all thirteen claims, and found the one link where the chain breaks.

12 min read ·

Canada quietly passed a stablecoin law. Here is what changes for your money in 2027

In March, without much notice, Parliament gave the Bank of Canada power over anyone issuing a dollar-backed stablecoin to Canadians. The rules are stricter than most people expect, one of them costs you money every year you hold one, and none of it is the digital loonie people keep worrying about. Here is the whole thing in plain language, with the dates.

7 min read ·

21 older pieces are in the news archive.

Canadian companies

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Questions people ask

Is crypto legal in Canada?
Yes. Buying, holding and selling crypto is legal. Platforms that let Canadians trade must be registered with a securities regulator, and businesses dealing in virtual currency must register with FINTRAC as money services businesses.
Who regulates crypto exchanges in Canada?
The provincial and territorial securities regulators, coordinated through the Canadian Securities Administrators. In Ontario that is the OSC; in Quebec, the AMF; in B.C., the BCSC; in Alberta, the ASC. Dealer-registered platforms are also members of CIRO.
Are stablecoins regulated in Canada?
Yes. The CSA treats fiat-backed stablecoins as value-referenced crypto assets with conditions for platforms that offer them, and Parliament passed the Stablecoin Act in the Budget 2025 implementation bill. The tracker has the current status and dates.
Is there an AI law in Canada?
Not a general one. The Artificial Intelligence and Data Act died with Bill C-27 in January 2025. AI at financial firms is governed through securities law, OSFI's Guideline E-23 from May 2027, privacy law and Bill C-36, which was at second reading in September 2026.