Crypto.com is a CSA restricted dealer with a broad app and an unpublished Canadian fee schedule. Beaver Bitcoin sells bitcoin only for a flat 1.5% and delivers it to your own address.
Crypto.com Vs Beaver Bitcoin: Which Is Better For Canadians?
For most Canadians, Crypto.com is the better choice (it wins on canadian status).
How Do Crypto.com And Beaver Bitcoin Compare, Fact By Fact?
Every row below comes from each company’s own pages and the Canadian registries, checked October 2026. Where a row has no fair winner, it says so.
Crypto.com Vs Beaver Bitcoin: Master Spec Table
Crypto.com
Beaver Bitcoin
Winner
Company
Foris DAX CAN ULC, an Alberta unlimited liability corporation (Crypto.com Canada). Global brand says trusted since 2016. HQ city, founders, funding, staff: Not published for the Canadian entity.
Dam Good Money Corp., operating as Beaver Bitcoin. Idea in 2021, launched 2022; Aubrey is Founder and CEO (surname Not published). HQ city, funding, staff: Not published.
Depends
Regulation
CSA restricted dealer (CSA decision May 8, 2025). FINTRAC MSB C100000094, expiry 2027-06-30. Not a CIRO member. AMF: Not verified. CIPF: none for crypto.
FINTRAC MSB N300000998, registered 2026-07-13, expiry 2028-11-30 (older M21577275 expired 2025-11-11). Not on the CSA list, no CIRO, no AMF. No CIPF.
Crypto.com
Assets
417 spot base assets on the global Exchange; the Canadian app list is narrower and not published. USDT not available to Canadians.
Bitcoin only. No order book; fixed price quotes.
Depends
Price
Canadian app fee schedule Not published. Canada marketing: maker/taker from 0.08%/0.18%. App buys include a spread. Global Exchange L1 0.25%/0.50%.
1.5% fee on buys; Beaver pays the BTC network fee. Quoted price CA$121,106 vs CA$122,923 shown on the same page, 2026-10-03. Sell fee Not published.
Depends
CAD In
Interac e-Transfer, free from Crypto.com (CAD 20 to 25,000 per deposit). Other CAD methods Not verified.
Interac e-Transfer, bill payment, wire and pre-authorized debit. Fees to client Not published (1.5% buy fee covers it).
Beaver Bitcoin
CAD Out
Sell to the CAD Account, then Interac Standard Transfer back. Needs one prior CAD deposit; internal review up to 1-3 business days. Fee Not verified.
Sell BTC to Beaver and receive CAD; method, fee and speed Not verified.
Depends
Crypto In And Out
On-chain deposits and withdrawals supported; networks, minimums and fees Not verified for Canada.
On-chain Bitcoin delivery to your own address, network fee paid by Beaver. Lightning, Liquid: Not verified.
Depends
Custody
Custodial. Cold storage share, insurance and proof of reserves Not verified on a Canadian page.
Non-custodial: bitcoin is delivered to your wallet, Beaver holds none. Funds in transit only.
Beaver Bitcoin
Verification (KYC)
Government ID and identity verification required before CAD deposits; selfie, address, SIN and clearing time Not verified.
Photo of valid government ID, address, job title and a selfie. SIN not stated; clearing time Not published.
Depends
Account Types
Personal account confirmed; a business offering exists globally. Joint, TFSA and RRSP Not verified.
Individuals and businesses both buy (Beaver says all kinds of people use it); a corporate account type Not verified.
Depends
Provinces
Serves Canada via the restricted dealer decision; per-province list and French support Not verified.
Provinces served and French support Not published.
Depends
Extra Products
Visa prepaid card, staking, Earn, tokenized stocks, prediction markets and perpetuals are advertised globally; Canadian availability Not verified.
Recurring Buy by pre-authorized debit, Beaver Plaid personal service above CAD 100,000, Sell Bitcoin.
Depends
Tax Tools
Not verified for Canada.
Not verified.
Depends
App
iOS Canada 4.63 (66,198 ratings); Google Play 4.4 (692K reviews, global total). Web app yes.
No iOS or Android app; mobile-friendly website. 2FA, alerts and French UI Not verified.
Depends
Support
In-app chat and help centre. Phone, hours and French support Not verified.
Help centre with request form, email hello@beaverbitcoin.com, personal support. Phone and French Not verified.
What Are The Key Differences Between Crypto.com And Beaver Bitcoin?
Crypto.com Vs Beaver Bitcoin: Side By Side
Crypto.com
Beaver Bitcoin
Description
Crypto.com is one of the world's largest crypto platforms and one of the few global exchanges registered to operate in Canada, through Foris DAX CAN ULC as a restricted dealer. It offers its own coin (CRO), staking, a Visa prepaid crypto card with cashback, and an all-in-one app.
Beaver Bitcoin is a Canadian, Bitcoin-only service built around self-custody. Every purchase is delivered straight to your own wallet and Beaver holds nothing for you, so you need a Bitcoin wallet before you can buy. It offers automatic recurring buys by pre-authorized debit.
Coins
400+ on its global exchange, though the list for Canadians is smaller because registered platforms must restrict certain assets. USDT has not been available to Canadians since 2023-01-31. The exact Canadian app list is not published.
Bitcoin only.
Fees
The Canadian app fee schedule is not published. Canada marketing says maker and taker fees from 0.08% and 0.18%; the global Exchange starts at 0.25% maker and 0.50% taker (Level 1). App purchases carry a spread. CAD deposits by Interac e-Transfer are free.
One flat 1.5% fee on buys, shown in the price. Beaver pays the Bitcoin network fee on every delivery. In Oleg's test a CAD 100 buy delivered CAD 98.50 of BTC. No spread beyond the stated fee is claimed.
Pros
One of only two major global exchanges registered as a restricted dealer in Canada
Wide range of coins
Suitable for beginners and pro traders
Interac e-Transfer with free deposits
Staking available (assets and rates not verified)
Non-custodial, every buy goes to your own wallet
One flat 1.5% fee, network fee covered by Beaver
Hands-off recurring buys by pre-authorized debit
Simple interface, sign-up in a couple of minutes
Sell function too: send BTC and receive CAD
Personal support and a dedicated service above CAD 100,000
Cons
Only CAD is accepted for the Canadian CAD Account, no credit or debit card for CAD funding verified
Coin selection in Canada is smaller than the global exchange
App pricing includes a spread on top of quoted fees
USDT delisted for Canadians, and no margin or leverage under restricted dealer conditions
Some altcoins carry annual purchase limits outside BC, AB, MB and QC (see Account Limits)
Customer service is a common complaint, chat-based and often slow (Oleg's original note, not re-tested)
Bitcoin only, so altcoin buyers need to look elsewhere
Shorter track record than Bull Bitcoin or Bitcoin Well (launched 2022)
No mobile app yet, only a mobile-friendly website
Full KYC for everyone, no anonymous purchase
You must set up your own wallet first
Not on the CSA list: FINTRAC MSB only, no securities-law protections
No crypto insurance, since Beaver holds no customer assets
Security
Crypto.com describes cold storage and security certifications, but a Canadian page with cold storage share, insurance amount or proof of reserves was not found. Treat those claims as unverified. Crypto.com's own FAQ says nothing about CIPF covering crypto, and CIPF never covers crypto.
Beaver does not hold your bitcoin: it goes to your wallet address, so there is no pool of customer funds at Beaver to hack or freeze. KYC needs a government ID photo, address, job title and a selfie. Beaver is a FINTRAC MSB; it is not a CSA-registered dealer.
Methods To Buy
Interac e-Transfer (CAD Account), crypto deposits. Cards and other methods were not verified for Canada.
Interac e-Transfer (Instant Buy), bill payment and wire (Large Buy), pre-authorized debit (Recurring Buy).
App
Apple Canada 4.63 (66,198 ratings), Google Play 4.4 (692K reviews, global store total), checked 2026-10-01.
No mobile app; the website is fully mobile-friendly.
Account Limits
CAD Account deposits CAD 20 to 25,000 each, balance cap CAD 100,000. As a restricted dealer, Crypto.com applies regulator-set net purchase limits on non-major assets;
Instant Buy by e-Transfer up to CAD 20,000. Large Buy by bill payment or wire up to CAD 100,000. Above CAD 100,000, Beaver Plaid personal service. Recurring Buy weekly, bi-weekly or monthly.
How Do You Fund And Cash Out Crypto.com And Beaver Bitcoin In Canada?
Crypto.com: CAD Deposits
Method
Fee
Minimum
Maximum
Speed
Interac e-Transfer (Standard Transfer or Request Money)
Free by Standard Transfer (bank may charge); Request Money was reported at 1% capped at CAD 10, not
CAD 20
CAD 25,000 per deposit
Not published on the help page
Crypto.com: CAD Withdrawals
Method
Fee
Minimum
Maximum
Speed
Interac Standard Transfer
Not published
Not published
Not published
Internal review up to 1-3 business days, then usually instant, up to 30 minutes
Beaver Bitcoin: CAD Deposits
Method
Fee
Minimum
Maximum
Speed
Interac e-Transfer (Instant Buy)
Included in the 1.5% fee; no separate fee published
Not published
CAD 20,000
BTC in your wallet in minutes
Bill payment or wire (Large Buy)
Included in the 1.5% fee; bank may charge
Not published
CAD 100,000
Wire in the morning, bitcoin by evening
Pre-authorized debit (Recurring Buy)
Included in the 1.5% fee
Not published
Not published
Weekly, bi-weekly or monthly schedule
Beaver Bitcoin: CAD Withdrawals
Method
Fee
Minimum
Maximum
Speed
Sell Bitcoin (send BTC, receive CAD)
Not published
Not published
Not published
Not published
Bank-side Interac limits also apply. Per-method fees for withdrawals and card or wire funding were not retrievable. Your bank's own Interac and wire limits also apply. Spending limits per account were not published beyond the tier caps.
What Does It Actually Cost To Buy On Crypto.com And Beaver Bitcoin?
Worked Cost, Buy Only And Buy Plus Sell (Round Trip)
Amount
Crypto.com Buy
Crypto.com Round Trip
Beaver Bitcoin Buy
Beaver Bitcoin Round Trip
CAD 100
Not published
Not published
$1.50
Not published
CAD 500
Not published
Not published
$7.50
Not published
CAD 1,000
Not published
Not published
$15.00
Not published
CAD 10,000
Not published
Not published
$150.00
Not published
Crypto.com: Canadian app fee schedule and spread not published on a fetched page (2026-10-03). Do not compute an all-in cost. Beaver Bitcoin: Flat 1.5% on Bitcoin purchases, network fee paid by Beaver (beaverbitcoin.com, 2026-10-03). Sell fee Not published. Ranges reflect each platform’s published band, not a single quote. Bank and network fees are not included.
What Do Crypto.com And Beaver Bitcoin Offer Beyond Buying And Selling?
Crypto.com Only
CAD Account: Hold CAD, deposit by Interac, balance cap CAD 100,000 (higher for Prime). Sell crypto to CAD and withdraw to your bank.
Welcome Bonus: Canada keeps the legacy milestone-based Welcome Bonus after KYC; the amount was not verified.
Beaver Bitcoin Only
Instant, Large and Recurring Buy: Instant Buy by e-Transfer up to CAD 20,000, Large Buy by bill payment or wire up to CAD 100,000, Recurring Buy by pre-authorized debit.
Beaver Plaid: Personal service for purchases above CAD 100,000 by bill payment or wire.
Sell Bitcoin: Sell BTC for CAD; terms are in the help centre.
What Happens To Your Money If Crypto.com Or Beaver Bitcoin Fails?
Crypto.com:Crypto.com in Canada is a restricted dealer under the CSA, so it must hold client assets with conditions set by regulators, but CIPF never covers crypto. A third-party insurance figure, cold storage share and proof of reserves were not found on a Canadian page, so none can be relied on here. Coins are held by the company until you withdraw. If the company failed or was hacked, you would be an unsecured claimant for anything not recovered, and withdrawals could be paused.
Beaver Bitcoin: Beaver is a FINTRAC-registered money services business, which covers anti-money-laundering reporting, not investor protection: it is not on the CSA list and CIPF does not apply. Because it holds no customer bitcoin, a hack or failure of Beaver would mostly hit money in transit or a pending order, not your stored coins. The residual risks are a failed or delayed purchase, an unpublished sell process, and the shorter operating history since 2022. Its FINTRAC number changed in 2026 after the old registration expired.
How Are Crypto.com And Beaver Bitcoin Treated For Tax In Canada?
Crypto.com: Buying with CAD is not a disposition. Selling for CAD, swapping one coin for another and spending crypto are dispositions you report to the CRA. Export formats and any CRA-ready report were not verified.
Beaver Bitcoin: Buying bitcoin with CAD is not a disposition. Selling for CAD, or spending bitcoin, is a disposition you report to the CRA. Beaver publishes no tax export that we could verify, so keep your own records.
Selling, swapping or spending crypto is a disposition for the CRA on any platform. This is not tax advice: see my guide to crypto taxes in Canada.
Which Should You Choose, Crypto.com Or Beaver Bitcoin?
Choose Crypto.com If
You want a mainstream app with a wide coin list and are fine with spread-based pricing
You are not buying on fee transparency alone, since the Canadian fee schedule is not published
Choose Beaver Bitcoin If
You want bitcoin delivered straight to your own wallet with no account balance
You want a simple recurring buy by pre-authorized debit
You accept a flat 1.5% fee and a FINTRAC-only registration
Is Crypto.com Or Beaver Bitcoin Better For Canadians In 2026?
It depends on whether you want one coin or many, and neither is in my top 10, so neither carries a score from me. Crypto.com is Foris DAX CAN ULC, an Alberta unlimited liability corporation, and a CSA restricted dealer (decision May 8, 2025) with FINTRAC MSB C100000094 through June 30, 2027. It is not a CIRO member.
Beaver Bitcoin is Dam Good Money Corp., an idea from 2021 that launched in 2022, led by founder and CEO Aubrey (surname not published). It is a FINTRAC-registered money services business only, not on the CSA list, with no CIRO membership and no CIPF. Its current FINTRAC number, N300000998, was registered on July 13, 2026, and runs to November 30, 2028. Its older number, M21577275, expired on November 11, 2025. Check the live registry before a large buy.
Which Costs Less When You Actually Trade?
Beaver publishes one number. It charges a flat 1.5% on bitcoin purchases, and it pays the Bitcoin network fee for delivery. On CAD 1,000 that is CAD 15, and the network fee saving is the part that makes it a fair deal. The sell fee is not published.
Crypto.com's Canadian app fee schedule is not published on any page I could fetch. Canada marketing mentions maker and taker rates from 0.08% and 0.18%, and the global Exchange L1 tier is 0.25% and 0.50%, but app buys include a spread. I will not compute an all-in cost for it. Compare the in-app quote with a live price before you buy.
Funding on Crypto.com goes through a CAD Account: Interac e-Transfer, free from Crypto.com, CAD 20 to 25,000 per deposit, with a balance cap of CAD 100,000. Cash-out needs at least one prior CAD deposit and an internal review that can take one to three business days.
Which Is Safer For Canadians?
Beaver holds no customer bitcoin. It is delivered to your address, so a failure would mostly hit money in transit or a pending order, not stored coins. The risks left are a delayed purchase, an unpublished sell process, a short operating history and the lack of any investor protection scheme.
Crypto.com holds coins until you withdraw. I found no insurance figure, cold-storage share or proof of reserves on a Canadian page, so I do not rely on any of them. If it were hacked or failed, you would be an unsecured claimant for what was not recovered, and withdrawals could pause. The CSA decision adds oversight and conditions. It does not add CIPF cover, since CIPF never covers crypto.
Bitcoin Delivered To Your Wallet Or A Wide App?
Beaver has three ways to buy: Instant Buy by e-Transfer up to CAD 20,000, Large Buy by bill payment or wire up to CAD 100,000, and Recurring Buy by pre-authorized debit. A personal service, Beaver Plaid, handles amounts above CAD 100,000. There is no account balance and no altcoin.
Crypto.com has 417 spot base assets on its global Exchange, and the Canadian list is narrower and not published. It also offers a CAD Account and a welcome bonus for Canada (amount not verified). USDT is not available to Canadians. If you want a self-custody habit, Beaver fits. If you want one app for many coins, Crypto.com fits.
Who Should Choose Crypto.com And Who Should Choose Beaver Bitcoin?
These two do different jobs, so pick the job first.
Choose Crypto.com if you want a broad app and a CAD Account. You want free Interac funding, many coins in one place, and are fine with spread-based pricing you will have to check yourself.
Choose Beaver Bitcoin if you want bitcoin and only bitcoin. You want delivery straight to your own address, a flat 1.5% fee with the network fee paid, and a recurring buy by pre-authorized debit. I do not have a sign-up link for Beaver, so go to its site directly.
The CSA issued its restricted dealer decision for Foris DAX CAN ULC (Crypto.com).
Frequently Asked Questions
Is Beaver Bitcoin Registered In Canada?
Beaver Bitcoin is a FINTRAC-registered money services business (N300000998, registered July 13, 2026, expiring November 30, 2028). It is not on the CSA list. Its older registration, M21577275, expired on November 11, 2025.
Does Crypto.com Publish Its Canadian Fees?
Not on any page I could fetch. Canada marketing mentions maker and taker rates from 0.08% and 0.18%, but app buys include a spread, so no all-in cost can be computed.
What Are Beaver Bitcoin's Purchase Limits?
Instant Buy by Interac e-Transfer goes up to CAD 20,000, and Large Buy by bill payment or wire goes up to CAD 100,000. Above that, Beaver Plaid handles the purchase. Your bank's own limits also apply.
How Do I Withdraw CAD From Crypto.com?
Sell to your CAD Account, then use an Interac Standard Transfer back to your bank. It needs at least one successful CAD deposit first, and an internal review can take one to three business days before the transfer, which is then usually instant.
Do Crypto.com And Beaver Bitcoin Have Limit Orders?
Crypto.com: Not verified for the Canadian app; the global Exchange has an order book. Beaver Bitcoin: No; fixed price buys only.
Which Coins Can You Buy On Crypto.com And Beaver Bitcoin?
Crypto.com: Several hundred globally; Canadian list not published Beaver Bitcoin: Bitcoin only
Is The Spread The Fee On Crypto.com And Beaver Bitcoin?
Crypto.com: App purchases carry a spread on top of any stated fee, so the quoted price is the real cost. Beaver Bitcoin: Beaver states a flat 1.5% fee and pays the network fee, so the fee is what you see.
Does CIPF Cover My Crypto On Crypto.com Or Beaver Bitcoin?
Crypto.com: CIPF never covers crypto, and Crypto.com is not a CIRO member. Beaver Bitcoin: CIPF never covers crypto, and Beaver is not a CIPF member.
Are Crypto.com And Beaver Bitcoin Available In Every Province?
Crypto.com: Served under a CSA restricted dealer decision; province list not verified. Beaver Bitcoin: Not published.
Do Interac Deposits Work On Weekends On Crypto.com And Beaver Bitcoin?
Crypto.com: Not verified; Interac runs 24/7 but Crypto.com's internal review for withdrawals takes business days. Beaver Bitcoin: Not verified; e-Transfer buys arrive in minutes, wires follow bank hours.
What Is The Minimum Buy On Crypto.com And Beaver Bitcoin?
Crypto.com: Deposit minimum CAD 20; minimum buy Not published. Beaver Bitcoin: Not published.
Can A Business Use Crypto.com Or Beaver Bitcoin?
Crypto.com: A business offering exists globally; Canadian business onboarding Not verified. Beaver Bitcoin: Beaver says individuals and businesses use it; a business account type is not verified.
Oleg is a Canadian citizen & crypto expert who has been trading since 2016. He started out with Coinbase, Kraken and Peer-to-Peer exchanges. After some time, centralized exchanges started charging crazy fees to their users.
He decided to review different crypto exchanges that operate in Canada and start a Youtube channel in order to educate Canadians on what kinds of things are going inside each one while giving them unbiased advice. On top of that, Oleg also has experience with NFT, airdrops, and crypto staking and he is constantly checking on new crypto assets.
His writing has been featured in popular Canadian media sources such as Toronto Sun and Ottawa Citizen.
