Settle invoices abroad in hours, not days — funded in CAD, delivered in USDC/USDT or local currency.
Fund in CAD by Interac e-Transfer or wire; pay suppliers, contractors and subsidiaries in USDC, USDT or EURC the same business day for requests before 12:00 PT. All-in under 1% plus a network fee of about $1. Local currency to a bank account in the US, UK, Europe, Brazil, Mexico and Colombia. Minimum $5,000 CAD per payment; per-batch limit set at onboarding, $1M+ CAD available. Every payee sanctions-screened.
A Vancouver importer owes a Ho Chi Minh City supplier $50,000 CAD on Friday morning. It funds by wire at 9:30 PT; TokenNest quotes 36,180 USDC at a firm rate including the spread — about $400 CAD all-in versus $1,500–$2,500 CAD for a bank wire. The batch is approved at 10:05; the supplier's wallet shows the USDC at 10:11 and its bank shows VND that afternoon after a local conversion. The importer's statement shows one line: $50,000 CAD out, payee, invoice reference, transaction hash.
Suppliers — one-off or recurring invoices, any payee count per batch. Contractors and remote staff — monthly payroll runs to wallets or local bank accounts, each payee with a fixed reference. Subsidiaries — intercompany funding without a correspondent-bank chain. Marketplace and platform payouts — API-driven payouts to sellers or creators abroad, with your branding on the payment notice. The same payee list, screening and statement serve all four.
Bank wire on $50,000 CAD: $30–$80 CAD outgoing fee, 2–3% FX margin ($1,000–$1,500 CAD), $15–$50 USD per intermediary, $10–$30 USD receiving fee, plus the beneficiary bank's own conversion — $1,500–$2,500 CAD total, arriving in 2–5 business days. TokenNest: one spread under 1% on a stated mid plus ~$1 network fee — about $400 CAD — arriving the same day. The full Fees page has every line item.
Every payee is screened at creation and on every payment against Canadian sanctions lists, the Criminal Code terrorist-entity list and OFAC/UN lists; wallet addresses are checked against blockchain-analytics risk data before funds move. Payments to jurisdictions under comprehensive Canadian sanctions are refused. You confirm the commercial purpose of each payee once; we keep the record for five years as FINTRAC requires. Nothing is reported to the CRA by us — your statement gives your accountant the CAD value, date and reference for each payment.