Institutional-grade FX
for Canadian businesses.
Move CAD, USD, GBP and EUR at interbank mid rates — without the hold times, hidden markups, or 1990s wire workflow. African corridors launching next.
- FINTRAC MSB in progress
- SOC 2-aligned controls
- Bank-of-Canada-grade rate feeds
Three moving parts.
One variable. No surprises.
Most cross-border platforms hide fees inside the rate, queue your wire for compliance review, and bolt on a CSV export. We do the opposite — transparent rates, clear in hours, settle through an API.
Transparent rates. Zero hidden fees.
You see the rate before you trade — and it's the rate that fills. No hidden markups, no surprises. What you see is what you pay.
Built for regulators, not around them.
FINTRAC MSB registration in progress, SOC 2-aligned controls, KYB + AML at onboarding, sanctions screening on every counterparty.
Treasury workflow, not a bank wire form.
Multi-approver payment rails, programmatic batching, and reconciliation that actually matches your ledger. Delivered over an API.
Cross-border FX that works the way a treasury desk actually thinks.
One platform for quoting, settling, and reconciling cross-border flow. Quote off the mid. Settle in hours. Reconcile in your ledger by tomorrow morning.
Know exactly what you're paying. Always.
No hidden markups, no surprises buried in the spread. We show you the rate before you trade — and it's the rate that fills.
- Live rates, refreshed every 30 seconds
- Zero hidden fees on every transaction
- The rate you see is the rate you get
Compliance built in, not bolted on.
Every counterparty is screened at onboarding and again on every transfer. Records are retained per FINTRAC requirements. Controls are mapped to SOC 2. We share the audit trail — you don't have to ask for it.
- KYB + AML at onboarding, sanctions on every transfer
- FINTRAC-aligned record retention, exportable
- SOC 2-aligned controls, third-party audit Q3 2026
Treasury automation, delivered over an API.
Lock a quote, fund a transfer, route approvals, and reconcile back into your ledger — all programmatically. Webhooks for every state transition. Idempotent by default.
- REST + webhooks · idempotent, versioned
- Two-of-three approval rails for high-value tickets
- Reconciliation export · CSV, JSON, ISO 20022 pacs.008
One variable. No surprises.
We’re sized for Canadian businesses moving real volume. The numbers are what they are — and they’re disclosed before you trade, not after.
G4 at launch.
Africa next.
Live across Canada, the US, the UK and the EU. CAD and USD into Naira coming Q4 2026 — with on-the-ground settlement partners we’ve been working with since day one.
| Pair | Settlement | Status |
|---|---|---|
| CAD / USD | T+0 | Live Phase 1 |
| CAD / GBP | T+0 | Live Phase 1 |
| CAD / EUR | T+0 | Live Phase 1 |
| USD / EUR | T+0 | Live Phase 1 |
| USD / GBP | T+0 | Live Phase 1 |
| GBP / EUR | T+1 | Live Phase 1 |
| CAD / NGN | T+1 | Phase 2 · Q4 2026 |
| USD / NGN | T+1 | Phase 2 · Q4 2026 |
T+0 · same-day · subject to currency cut-off windows.
T+1 · next business day · guaranteed for all G4 pairs.
Treasury-grade questions.
Treasury-grade answers.
Cross-border FX is a regulated business and you should ask hard questions of anyone moving your money. Here are the ones we hear most.
G4 at launch.
Africa next. Be first.
Whether you’re a Canadian business moving cross-border payments, a finance team looking to cut FX costs, or you’re simply interested in PanoFlow and would like early access — join the waitlist.
By submitting, you agree to PanoFlow’s terms and privacy notice. FINTRAC MSB registration in progress. Funds segregated at a Schedule I bank.