Regulated by Design
Dual-jurisdiction authorisation. Segregated client funds. Real-time transaction monitoring. Built to satisfy regulators and your auditors.
Regulatory Status
Canada (Headquarters)
Unicorn Currencies Limited is registered with FINTRAC as a Money Services Business (MSB)
- FINTRAC Registration No
- C100000159
- Business Incorporation Number
- BC1473865
- Incorporation Date
- April 2, 2024
- Authorisation
- We operate under the direct supervision of the Bank of Canada as Payment Service Provider
- Registered Address
- 5577 153A Street, Suite 207, Surrey BC V3S 5K7 Canada
United Kingdom
Unicorn Currencies Ltd operates as a Corporate Intermediary
- Structure
- Partnered with FCA-authorised Electronic Money Institutions (EMIs)
- Safeguarding
- Client funds are held in designated safeguarding accounts
- Business Incorporation Number
- 14325478
- Incorporation Date
- August 30, 2022
- Registered Address
- Silverstream House, Fitzroy St, London W1T 6EB, United Kingdom
Safeguards & Data Protection
100% Segregated Funds
Your capital is never commingled with our corporate operating funds. In the unlikely event of insolvency, client funds are protected and returned to you as a priority creditor.
GDPR & PIPEDA Compliant
We encrypt data at rest (AES-256) and in transit (TLS 1.3). Your transaction data are safe.
Need a Due Diligence Pack
Full AML/ATF Policy and Independent Audit Reports are available to banking partners upon request.
Frequently Asked Questions
Is Unicorn Currencies regulated?
Yes. Unicorn Currencies is a Bank of Canada supervised Payment Service Provider (PSP) operating under the Retail Payment Activities Act. We are also registered with FINTRAC as a Money Services Business (MSB) under registration number C100000159. This dual-layer regulatory oversight ensures we meet the highest standards for payment service providers in Canada.
How are customer funds protected?
All customer funds are safeguarded in segregated accounts held with authorized banking partners. These funds are never commingled with our corporate operating capital and are not used for business operations. In the unlikely event of insolvency, client funds are protected and you would be treated as a priority creditor, ensuring your money is returned to you.
What compliance checks do you perform?
We implement comprehensive compliance controls including Know Your Customer (KYC) and Know Your Business (KYB) verification for all clients. Our automated sanctions screening processes checks in just 0.14 seconds against global watchlists. We also conduct ongoing transaction monitoring to detect and prevent suspicious activity in real-time.
Do you report to regulators?
Yes, we maintain full regulatory reporting obligations. We submit required reports to FINTRAC as mandated under Canadian anti-money laundering legislation, and to the Bank of Canada as part of our PSP supervisory requirements. This includes suspicious transaction reports, large cash transaction reports, and other mandatory filings as required by law.
What is your LEI number?
Our Legal Entity Identifier (LEI) is 9845001A4CFE0EAC8E79. The LEI is a globally recognized 20-character identifier that uniquely identifies legal entities participating in financial transactions. It provides transparency and enables regulators and market participants to accurately identify parties to financial transactions worldwide.
Request a Compliance Briefing
Full AML/ATF policy and independent audit reports available to banking partners.
Request Compliance BriefingFor a plain-English summary and verification links, see How We're Regulated