Simplify compliance effortlessly
Introducing Scadox — the automated compliance platform built to empower MSBs and FINTECH companies.
Fulfill all your regulatory obligations with efficiency, accuracy, and confidence — all in one secure, integrated solution.
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About Scadox
Scadox is a compliance technology company that empowers Money Services Businesses (MSBs), FINTECH companies, and other reporting entities to meet their regulatory obligations with efficiency, accuracy, and confidence. By combining regulatory expertise with innovative software engineering, we provide a seamless platform that transforms how MSBs manage compliance and reporting to FINTRAC.
Our Solution

Scadox offers an end-to-end reporting automation system that integrates directly with FINTRAC and client payment services. The platform continuously analyzes all financial transactions, identifies reportable events, and automatically generates and submits the required reports.


For example, when a transaction exceeds CAD 10 000, the system files a Large Cash Transaction Report (LCTR) with FINTRAC automatically. Similar automation applies to all other mandatory reporting requirements, including Suspicious Transaction Reports (STRs), Terrorist Property Reports (TPRs), and ongoing monitoring obligations.
Meet The Compliance Experts
Simplifying compliance, streamlining reporting
We are a leading compliance technology provider empowering Money Services Businesses (MSBs) across Canada.

Our platform enhances every aspect of regulatory compliance and reporting, combining deep regulatory expertise with innovative software engineering. This integration creates a seamless, intelligent environment for precise and efficient FINTRAC reporting — enabling MSBs to meet their obligations with confidence and consistency.
Who We Empower
Scadox is designed for all types of Money Services Businesses (MSBs) and payment platforms operating in or through Canada. Whether you process a few hundred or several thousand transactions per day, Scadox ensures effortless compliance with FINTRAC and related regulatory requirements.
Remittance & Payment Companies
Handle domestic or international money transfers between clients
Automatically report all transactions exceeding CAD 10 000 and monitor for suspicious activity in real time.
Virtual Currency & Crypto Platforms
Exchange or wallet operators dealing in digital assets
Instantly flag large or unusual crypto-to-fiat transfers and submit Suspicious Transaction Reports (STRs).
Payment Gateway Providers
Platforms facilitating payments for multiple merchants
Integrate Scadox as a back-office compliance layer without disrupting transaction flow.
Foreign Exchange & Currency Dealers
Companies engaged in buying/selling foreign currency
Maintain automated reporting for all large cash or electronic exchanges to FINTRAC.
High-Volume MSBs & Aggregators
Enterprises with 1000+ transactions daily or operating across borders
Streamline cross-border compliance reporting and consolidate multiple reporting channels in one dashboard.
Other reporting entities include:
  • Banks and credit unions
  • Securities dealers
  • Life insurance companies and brokers
  • Casinos
  • Real estate brokers and developers
  • Accounting firms
  • Law firms and legal professionals
  • Title insurers
  • Private Automated Banking Machine (ABM) acquirers
Measurable Benefits That Drive Real Results
Scadox doesn’t just simplify compliance — it transforms it into a measurable advantage.

Our clients experience faster reporting, fewer errors, and stronger regulatory assurance — all backed by intelligent automation and expert-driven design.
  • 70%
    Up to 70%
    Less Manual Work
    Automate report preparation, review, and submission — freeing your compliance team to focus on high-value tasks.
  • 99.%
    99.9%
    Reporting Accuracy
    Built-in validation and threshold detection eliminate human error and ensure precise FINTRAC submissions.
  • 50%
    50%
    Faster Onboarding
    Seamless integration with your payment system or platform — get compliant and operational in days, not weeks.
  • 100%
    100%
    Regulatory Consistency
    Every report is aligned with FINTRAC’s latest requirements and your internal compliance program.
How Scadox Works
Scadox integrates effortlessly with your existing payment ecosystem, acting as a secure, automated compliance layer behind the scenes.
From transaction monitoring to FINTRAC reporting — every step is streamlined, accurate, and fully auditable.
  • Data Integration
    Connect Scadox directly to your payment processing platform, accounting system, or database via secure API
    01
  • Real-Time Transaction Monitoring
    Every transaction is analyzed in real time using rule-based logic aligned with your compliance program.
    02
  • Automated Detection & Flagging
    When Scadox identifies reportable activity — such as a single transaction over CAD 10,000 or multiple linked transfers — it instantly flags it for reporting.
    03
  • Intelligent Report Generation
    Reports are generated automatically using FINTRAC-compliant formats.
    04
  • Direct Submission to FINTRAC
    Once approved by your compliance officer (or auto-authorized, per configuration), Scadox transmits reports directly to FINTRAC through a secure API connection.
    05
  • Analytics & Audit Dashboard
    A centralized dashboard displays submission history, pending reports, flagged cases, and compliance metrics.
    06
Regulatory Risk & Compliance Context
Operating as a Money Services Business (MSB) in Canada means navigating complex and ever-evolving regulatory obligations.

FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) requires every MSB to implement strict monitoring, reporting, and record-keeping procedures — with significant penalties for non-compliance.
  • The Compliance Challenge
    Traditional compliance processes rely heavily on manual review, spreadsheets, and human oversight.

    This approach is:

    • Time-consuming – Manual report preparation can take hours per day.
    • Error-prone – Inconsistent data entry leads to reporting inaccuracies.
    • Reactive – Compliance teams often discover issues only after audits.
    • Costly – Hiring and training compliance staff increases operational expenses.

    For high-volume MSBs, manual compliance is no longer sustainable — it creates regulatory exposure and slows business growth.
  • FINTRAC Reporting Obligations
    Canadian MSBs must identify and report specific transactions and suspicious activity to FINTRAC, including:

    • Large Cash Transactions (LCTR): Over CAD 10,000 in a single operation or linked transactions.
    • Suspicious Transaction Reports (STR): When there are reasonable grounds to suspect money laundering or terrorist financing.
    • Terrorist Property Reports (TPR): For any property owned or controlled by designated individuals or entities.
    • Electronic Fund Transfers (EFTR): For certain cross-border transfers.
    • Ongoing Monitoring & Record Keeping: Continuous oversight of client transactions and risk profiles.

    Each missed or inaccurate report can trigger regulatory action, audits, or substantial penalties.
  • Why Scadox Matters
    Scadox eliminates the risk of human error, delays, and non-compliance through automation:

    • Ensures 100% consistency with FINTRAC rules.
    • Automatically detects reportable transactions in real time.
    • Submits reports securely through a direct FINTRAC integration.
    • Provides audit-ready documentation for inspections or reviews.

    With Scadox, compliance becomes a continuous, automated process — not a manual obligation.
Security & Legal Assurance
At Scadox, we recognize that compliance automation is built on trust.
Our platform is engineered with enterprise-grade security, backed by legal oversight from licensed professionals specializing in Canadian financial regulation.
  • End-to-End Encryption
    All data is encrypted both in transit (TLS 1.3) and at rest (AES-256).
  • Secure Cloud Hosting
    Hosted in Canada using compliant data centers with SOC 2 and ISO 27001 certification.
  • Role-Based Access Control (RBAC)
    Customizable permissions ensure only authorized staff can access sensitive data.
  • Comprehensive Audit Logs
    Every action is tracked, timestamped, and available for review during audits.
  • Regular Security Audits
    Continuous vulnerability assessments and penetration testing maintain platform integrity.
Legal Oversight & Compliance Governance
Compliance is not only technical — it’s legal. That’s why Scadox is backed by licensed Canadian legal experts who specialize in AML/ATF regulation and MSB compliance frameworks.
  • Continuous Legal Supervision
    Every reporting mechanism and regulatory update is reviewed by a licensed lawyer.
  • Alignment with FINTRAC Guidelines
    Reporting logic and policies reflect the latest requirements under the PCMLTFA.
  • Comprehensive Documentation
    Every process is documented and defensible in the event of a FINTRAC audit.
  • Transparent Accountability
    Legal support available to assist MSBs with audit responses or compliance inquiries.
FAQ
  • Katie:
    How long does onboarding take?
    Support:
    Most clients complete onboarding within 3–7 business days.
    Scadox integrates seamlessly with your existing payment platform, database, or accounting system. Our technical team assists throughout setup to ensure a smooth and secure connection without interrupting your operations.
  • Katie:
    How does Scadox connect to my payment platform?
    Support:
    Scadox integrates through a secure API.

    The system operates entirely in the background as a back-office compliance layer, ensuring no disruption to your payment flow.
  • Katie:
    Does Scadox replace my compliance officer?
    Support:
    No — Scadox enhances your compliance officer’s work, it doesn’t replace them.

    The platform automates monitoring, detection, and reporting processes, allowing your compliance team to focus on strategic oversight and decision-making rather than manual data entry.
  • Katie:
    What types of reports can Scadox generate?
    Support:
    Scadox automatically identifies and generates all FINTRAC-required reports, including:

    • Large Cash Transaction Reports (LCTR)
    • Suspicious Transaction Reports (STR)
    • Terrorist Property Reports (TPR)
    • Electronic Fund Transfer Reports (EFTR)
    • Ongoing Monitoring and Record-Keeping Reports

    All reports are validated before submission and stored securely for future audits.
  • Katie:
    Is my data stored in Canada?
    Support:
    Yes.

    All client data is stored securely within Canadian data centers that comply with SOC 2 and ISO 27001 standards.

    Your data never leaves the jurisdiction, ensuring compliance with both FINTRAC and PIPEDA privacy regulations.
  • Katie:
    Can Scadox be used by international companies?
    Support:
    Yes.

    Scadox is ideal for foreign or multinational companies that operate a Canadian MSB or process cross-border transactions.

    The platform adapts to multi-jurisdictional compliance needs and can scale to support other reporting frameworks in future releases.
  • Katie:
    Does Scadox work with virtual currency platforms?
    Support:
    Absolutely.

    Scadox supports crypto exchanges, wallet providers, and blockchain-based payment processors.

    It monitors fiat-to-crypto and crypto-to-fiat transactions, applies FINTRAC thresholds, and automatically submits reports when required.
  • Katie:
    How secure is Scadox?
    Support:
    Scadox uses end-to-end encryption (TLS 1.3 / AES-256), role-based access control, and continuous monitoring to protect all client data.

    Every report and transaction is logged and auditable. The system undergoes regular third-party security testing to ensure full protection.
  • Katie:
    How much does Scadox cost?
    Support:
    Pricing is tailored to each client’s business model, transaction volume, and integration scope.

    We offer flexible plans for small MSBs, enterprise operators, and platform integrations.
    Contact our team to receive a personalized proposal and demo.
Get a personalized demonstration
Contact our compliance specialists to learn how Scadox can simplify reporting for your business.