Idle treasury,
working. Onchain.

The non-custodial treasury platform for Canadian SMEs. Earn institutional yield on idle cash and let tax compliance run itself.

Join the private beta See the platform

Free during private beta · no platform fee · no lock-up

Built on trusted rails

Standards your bank
already recognizes.

Our security model
Morpho
Arbitrum
Interac
FINTRAC
Privy · Passkeys
Chainlink

A complete treasury platform for Canadian businesses.

Your treasury, at a glance

Live balance, accrued yield and current APY in one dashboard — clear as a bank statement, built for a CFO.

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Tax compliance, automated

Automated T5, weighted ACB and Grand Livre — generated continuously and ready for ARC & Revenu Québec under the CARF 2026 rules.

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Non-custodial by design

Passkey co-signers above a threshold you set, instant revocation, and a full immutable audit log. Lumenary never touches your funds.

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Cash in, cash out — in hours

On- and off-ramp via Interac, linked Canadian bank accounts and Stripe billing — funded and settled in hours, not days.

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The conviction tool

See the cost of doing nothing.

Your bank pays close to nothing on idle cash. The comparator puts Lumenary and a Canadian savings account on the same chart — and the gap is the whole pitch. Free, forever, even before you deposit a dollar.

Run your numbers
Lumenary · DeFi Canadian savings · TradFi
+$12,480 more with Lumenary, year to date
7.0%
Current yield
<$0.10
Cost per deposit
~4h
Typical withdrawal to your bank
100%
Non-custodial
Trust & compliance

Built to satisfy your auditor.

Read the docs

The boring, essential parts — automated. Your money never leaves your control, your entity is verified against government registers, and every Canadian tax obligation is prepared for you.

Non-custodial

Lumenary never holds or moves your funds.

KYB verified

Your business is checked against Corporations Canada & Revenu Québec at sign-up and weekly.

CARF 2026 ready

Automated T5, T1135 and TP-21.4.39 packs, with fair-market value captured at every transaction.

FINTRAC-aligned

AML obligations handled by licensed partners; records retained for six years in Canada.

FINTRAC
ARC / CRA
Revenu Québec
CARF 2026
Corp. Canada
Paytrie

Frequently asked questions

Can't find the answer you're looking for? Our team is here to help.

Get in touch

Is my money safe if Lumenary disappears?

Yes. Lumenary is fully non-custodial — your funds sit in a smart account that only your team's Passkeys can move. If Lumenary ceased to exist tomorrow, your stablecoins remain entirely under your control on-chain, and you can withdraw them directly.

Do I need to understand crypto to use this?

No. You fund your account with Canadian dollars over Interac and withdraw the same way. Lumenary handles the conversion, the on-chain mechanics and the tax paperwork behind a dashboard that reads like online banking.

Is this legal and compliant in Canada?

Your business is verified against Corporations Canada and Revenu Québec, AML obligations are handled by FINTRAC-registered partners, and your tax documents (T5, T1135, TP-21.4.39) are prepared automatically under the CARF 2026 framework.

What are the fees, and is there a lock-up?

During the private beta there is no platform fee and no lock-up — you can withdraw at any time. At general availability, premium is a flat CAD monthly subscription with a performance fee on yield earned; deposits and withdrawals are never locked.

How fast can I get my cash back?

Withdrawals up to $9,999 settle to your linked Canadian bank account by Interac in roughly two to four hours. Larger amounts settle by EFT or wire within one to two business days.
Private beta · free

Put your treasury to work.

Join the Canadian businesses already earning on idle cash — with the taxes handled.

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No platform fee · no subscription · no lock-up