RaaS · Technology + Licence

Launch Your Money Transfer
Business in
🇨🇦 Canada.

Launch under RemitSo's FINTRAC-regulated infrastructure with the full white-label platform included. Your brand, your customers, your revenue — from week one.

✓No licence required to start
✓Zero revenue share
✓Live in 4–8 weeks
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What is RaaS (Remittance-as-a-Service)?

RaaS bundles the technology platform (white-label apps, back office, compliance) with regulatory sponsorship under our FINTRAC-regulated entity. You launch under our licence, build your customer base, and upgrade to your own licence when it makes commercial sense. You keep 100% of your revenue — we charge only a flat fee.

Instant Pay-In
Interac e-Transfer
3-Day Settlement
EFT
Same-Day
Wire Transfer
Full Coverage
All Provinces
Platform + Licence

Technology and Regulation.
Together in One Package.

Other providers give you either the technology or the licence. RemitSo RaaS gives you both — pre-integrated, pre-approved, and ready to activate.

📱
Full White-Label Platform
Included in every RaaS package
✓iOS & Android apps under your brand
✓Customer web portal
✓Back office: FX engine, treasury, customer 360°
✓Automated AML/KYC/SAR compliance
✓21 transaction lifecycle states
✓Payout to 100+ countries
✓8 pay-in gateways (card, bank, wallet)
✓Dedicated AWS instance (99.99% uptime)
⚖️
FINTRAC Registered MSB
All Provinces & Territories
✓No licence required to start operating
✓FINTRAC-registered Money Service Business
✓Interac e-Transfer + EFT payment rails
✓Zero revenue share — flat fee only
✓Upgrade to own licence when ready
✓FATF globally recognised model
✓All compliance obligations handled
✓Live in 4–8 weeks
Regulatory Compliance

Every Regulation. Handled.

All compliance obligations for operating in Canada are built into the platform and covered under our regulatory sponsorship.

FINTRAC Registration
Operate under our FINTRAC-registered MSB entity. Full PCMLTFA compliance programme included.
PCMLTFA Compliance
Proceeds of Crime (Money Laundering) and Terrorist Financing Act compliance — reporting, recordkeeping.
Large Cash Transaction Reporting
Automated CTR filing for transactions over CAD 10,000. FINTRAC reporting built in.
Sanctions Screening
OSFI Canadian sanctions list plus OFAC, UN, and EU lists on every transaction.
Payout Corridors

Top Corridors from Canada.
Ready to Activate.

The most popular send-from-Canada corridors are pre-integrated and ready. Add more as you grow — 100+ countries available.

India (UPI/IMPS)Philippines (GCash)Mexico (SPEI)China (UnionPay)Pakistan (IBFT)Jamaica (NCB)
See all 100+ payout countries →
Payout Methods Available
🏦
Bank Transfer
Direct to bank accounts globally
📱
Mobile Wallets
bKash, M-Pesa, GCash, UPI, Airtel
💵
Cash Pickup
Agent networks globally
Deployment

From Contract to Live
in 4–8 Weeks.

A structured, low-risk activation process — no regulatory approval cycles, no banking application delays.

Week 1–2
Onboarding & Setup
Contract signing, business model review, AWS instance provisioning, white-label branding configuration, and compliance framework setup for Canada.
Week 2–4
Integration & Testing
Payment gateway activation, payout corridor testing, Interac e-Transfer + EFT integration testing, KYC/AML configuration, and user acceptance testing.
Week 4–6
Compliance Certification
Regulatory documentation finalisation, compliance certification under FINTRAC framework, API credential provisioning.
Week 6–8
Go-Live
Platform goes live in Canada. App Store & Google Play submission. First live transactions. Ongoing support and monitoring from day one.
Why RaaS Makes Sense

The Commercial Logic
is Compelling.

Building your own FINTRAC licence costs 12–18 months and hundreds of thousands in legal fees. Here's the numbers.

Time to Market
4–8 Weeks vs. 12–18 Months
Obtaining your own FINTRAC licence takes 12–18 months minimum — legal fees, regulatory engagement, compliance infrastructure. RaaS gets you live in 4–8 weeks under our existing licence.
Zero Revenue Share
Keep 100% of your FX spreads.
Other RaaS providers take 0.5–2% of every transaction. At any meaningful volume, that's tens of thousands of dollars per month lost. RemitSo charges a flat fee only — you keep everything you earn.
Brand Continuity
Your customers see only your brand.
Customers interact entirely with your brand — not ours. When you graduate to your own licence, the transition is seamless. All customer data, history, and relationships belong to you from day one.
Fixed Compliance Cost
Predictable cost regardless of volume.
Unlike revenue-share models where compliance costs grow with your volume, RaaS charges a flat fee. Your cost structure is fixed and predictable — critical for early-stage financial planning.
Upgrade Path
Build your licence in parallel.
While running on RaaS, you build your customer base and revenue. We support your own licence application when you're ready — technology transfer, compliance documentation, regulatory introductions.
FATF Recognised
Globally compliant model.
FATF (Financial Action Task Force) globally recognises the sponsor/agent model as a compliant structure for remittance services. You're operating within a well-established, accepted framework.
$2.5B+
Annual Volume
97%
AML Auto-Clear
100+
Payout Countries
0%
Revenue Share

Launch in Canada.
In 4–8 Weeks.

Platform + FINTRAC licence together. Your brand, your revenue, your future.

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