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Documentation Index

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Glide operates as a regulated Money Services Business across five jurisdictions, with banking partner relationships in each. Regulatory oversight is the backbone of how we can offer crypto-native banking with traditional-banking-grade safety.

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Where we’re regulated

JurisdictionAuthorityRegistration / Authorization
CanadaFINTRACMoney Services Business (MSB) Reg. M22060803
United KingdomFCAAuthorized partner relationships under EMR
European UnionNational competent authorityPSD2 / EMI authorization (partner)
Hong KongHKMASVF-licensed partner relationship
SingaporeMASPayment Services Act licensed (partner)
The full Glide Finance Limited registration in Canada is at:
Glide Finance Limited, registered with FINTRAC as a Money Services Business in Canada (Reg. No. M22060803), registered address 398-2416 Main St, Vancouver, BC V5T 3E2, BRN BC1367739.
Equivalent disclosures for each jurisdiction are available on request and in your account’s footer per relevant local-law requirements.

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What MSB licensing requires

In every jurisdiction we operate, MSB or equivalent authorization comes with:
  • KYC obligations — verify the identity of every account holder using a documented framework.
  • AML / sanctions — screen against global sanctions lists on opening and continuously thereafter; transaction monitoring with documented escalation procedures.
  • Reporting obligations — suspicious-activity reports filed where applicable; threshold reporting for large transactions per local rules.
  • Segregated-funds posture — customer funds held outside Glide’s working capital, attestable via banking-partner statements and audit.
  • Annual audits — regulatory audits in addition to our SOC 2 Type 2.
We follow the most strict applicable framework across all jurisdictions, not the loosest. If your account is in a jurisdiction with stricter sanctions screening, the screening applies; if a transaction crosses jurisdictions with different monitoring rules, both apply.

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What regulation means in practice

For you as a user, regulation is the reason:
  • We ask for ID at account opening (KYC).
  • We screen counterparties on every payment (sanctions).
  • We sometimes pause a transaction for review (transaction monitoring).
  • We can’t serve customers in OFAC-sanctioned countries.
  • Some industries (cannabis, gambling) are restricted.
For us as a company, regulation is the reason:
  • We have annual audits documented in our SOC 2 reports.
  • We can hold banking-partner relationships across jurisdictions.
  • Our customer-funds segregation has structural force, not just contractual force.
  • We can serve crypto-native businesses other banks reject — because we’ve done the regulatory analysis to know who’s safe to serve and who isn’t.

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Regulatory transparency

We publish:
  • Quarterly regulatory snapshot to current customers (transaction monitoring summaries, sanctions-screening false-positive rates, average KYC turnaround time).
  • Annual SOC 2 Type 2 report — available to current customers via your relationship manager.
  • Annual transparency report — aggregated, anonymized: number of accounts, total volume, top corridors, number of regulator-driven account closures, summary reasons. This is published publicly.
If you need a specific regulatory artifact for your auditor, ask your relationship manager. We’ve packaged the common ones (segregation attestation, AML control walkthrough, sanctions accuracy report) so they’re available the same business day.

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What we won’t do under regulation

  • Won’t share your data with anyone but the regulator. We comply with regulatory data requests but don’t volunteer your data to other counterparties, partners, or law-enforcement agencies outside formal process.
  • Won’t freeze your account capriciously. Account freezes happen when (a) sanctions screening triggers, (b) transaction monitoring escalates, or (c) regulatory request requires. Each freeze is documented; you get a notice with the reason and the resolution path.
  • Won’t gold-plate. We do what regulation requires — not more, not less. We don’t add discretionary “features” like reporting your transactions to credit bureaus or sharing your data with adtech.

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Banking partners

The named banking partners are disclosed on request to current customers under NDA. We don’t post them publicly because the relationships shift as we add corridors and rebalance for redundancy. The partner type (regulated, jurisdiction-equivalent insured, segregated-account-capable) is the durable promise.

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