O Oryx Pay
Money Services Business

Foreign exchange, virtual currency & payments — handled with care.

Oryx Pay provides foreign exchange dealing, dealing in virtual currencies, and payment services.

Open an account enquiry Our compliance approach
What we do
Three regulated services, one platform
Foreign exchange
Competitive rates across major currency pairs, settled with full transparency.
Virtual currency
Compliant on/off-ramps between fiat and digital assets.
Payment services
Fast, secure transfers built for cross-border business.
3
Core regulated services
How it works
Simple & transparent
01
Get in touch
Tell us your need
02
Verify identity
Quick onboarding
03
Receive a quote
Confirmed upfront
04
Settle securely
Monitored end-to-end

Illustrative process only. All pricing is confirmed with you at the time of each transaction before you commit.

Compliance-first
AML/CTF program aligned to the PCMLTFA
Know Your Customer
Advanced verification
Client-focused
Built for individuals & businesses
Data protection
Records handled under applicable privacy law
What we do

Three core money services

Oryx Pay focuses on doing a focused set of regulated activities well, with the record-keeping and reporting controls that applicable law requires.

Foreign exchange dealing

Exchanging one currency for another for businesses managing cross-border needs, with clear pricing and proper record-keeping.

Broad range of exchange pairs
Transparent, quote-based pricing
Settlement to verified accounts

Dealing in virtual currencies

Exchange and transfer of virtual currency, conducted under the applicable rules, including the record-keeping and Travel Rule obligations that apply to crypto transactions.

Virtual currency exchange
Virtual currency transfer
Travel Rule & record-keeping controls

Payment services

Moving and processing electronic funds for individuals and businesses — helping clients send, receive and settle payments simply and securely.

Electronic fund transfers
Payment processing for businesses
Secure, monitored settlement
Regulatory & AML

Compliance is the product

Oryx Pay is building its money services business around the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the regulations administered by FINTRAC, and the Retail Payment Activities Act (RPAA). We treat these obligations as the foundation of every service we offer.

The company is currently in the application process to provide these services, and does not offer regulated services until its registration is finalised.

Know Your Customer (KYC)

Client identity verification and ongoing monitoring before and during the business relationship.

Identity is verified using government-issued ID or other prescribed methods, with a risk-based approach to enhanced due diligence for higher-risk clients.

Record keeping

Transaction and identification records retained in accordance with FINTRAC requirements.

Records are retained for a minimum of five years and kept in a form that can be provided to regulators promptly on request.

Regulatory reporting

STR, LCTR, LVCTR, EFTR and other prescribed reports, as applicable, where thresholds and indicators are met.

Reports are filed with FINTRAC within prescribed timelines, including large cash and virtual currency transactions at or above regulatory thresholds.

Travel Rule

Originator and beneficiary information captured for qualifying virtual currency transfers.

Required originator and beneficiary details travel with the transfer instruction and are made available to counterparty VASPs and regulators as required.

Sanctions screening

Clients and counterparties screened against applicable sanctions lists.

Screening runs before onboarding and before processing transactions, with ongoing monitoring against updated sanctions and watch lists.
Registration application submitted

Oryx Pay has submitted its application to register as a money services business (MSB) and its application under the Retail Payment Activities Act (RPAA) is in process. Regulated services will not be offered until registration is finalised. We will publish our MSB registration number here once it has been issued.

Legal entity
Oryx Pay Ltd.
MSB status
Application submitted
RPAA status
In application process
MSB reg. no.
To follow
Framework
PCMLTFA / RPAA
Regulator
FINTRAC
About Oryx Pay

A focused, transparent money services business

Oryx Pay was founded to offer a straightforward way to access foreign exchange, virtual currency and payment services. We believe the foundation of any money services business is trust — and trust is earned through transparency, strong controls, and treating compliance as a core part of the service rather than an afterthought.

Our team combines payments, foreign exchange and regulatory experience to deliver a service that is clear on pricing, careful with client funds and records, and aligned to applicable law at every step.

Why clients choose Oryx Pay

Clear pricing
Quotes confirmed before you commit.
Regulated framework
Operating under the PCMLTFA / FINTRAC regime.
Human support
Real people, ready to help.
No hidden steps
Honest onboarding, every time.
Get in touch

Talk to Oryx Pay

Have a question about our services or compliance? Send us a note and a member of our team will respond. Please do not include sensitive identification documents in this form.

Email
legal@oryx.cash
Phone
+1 236 499 2449
Registered office
210-1715 Dickson Ave, Office B, Kelowna, BC V1Y 9G6
Hours
Mon–Fri, 9:00–17:00