Individuals and families
TFSA at the bank, paying a MER, holding zero Bitcoin. Move the account. Allocate 1-5% to a Canadian Bitcoin ETF inside the TFSA.
Canmore · Canadian balance sheets
I am Gilles Wayne. I moved a corporate treasury into Bitcoin in 2020 and built the rest of the sheet around it. TFSA, RRSP, credit, spot, margin. This is the playbook I used.
7+ years building Canadian e-commerce businesses. Corporate treasury converted to Bitcoin in 2020. Full 5-layer sheet. This site exists because the advisory layer in Canada is still empty.
Free guide
First principles. Ten chapters. Tax wrappers that actually exist here: TFSA, RRSP, FHSA, professional corporation, condo reserve.
Start the thesisWho we serve
TFSA at the bank, paying a MER, holding zero Bitcoin. Move the account. Allocate 1-5% to a Canadian Bitcoin ETF inside the TFSA.
Corporate cash earning almost nothing. A defined treasury policy. A portion in Bitcoin. Runway stays intact.
Doctors, dentists, lawyers, accountants. Retained earnings in low-yield paper. Structure first. Then allocate.
GICs losing purchasing power. A board-approved 1-3% framework. Documented. Defensible. No heroics.
Canada approved Bitcoin ETFs first. That does not make them right for every TFSA, RRSP, or taxable account. Honest MER and custody comparison.
Store of value arguments, supply, portability, and Canadian wrappers. When gold fits. When Bitcoin fits. No hype.
Seven platforms side by side. Corporate accounts, fees, custody, limits. May 2026 source review. Educational only.
Seven cities plus Bitcoin.ca forums and Bitcoin Bay. Community directory, July 2026. Educational only.
Compare and plan
Returns, drawdowns, correlation, the CAD factor, and a three-tier sizing framework.
Carrying costs, liquidity, and real returns after inflation.
Pick a window and see growth of $10,000 from the published annual returns.
Which registered account fits Bitcoin, and how to move yours off the bank.
One household plan across two sets of accounts, and what happens to Bitcoin at death.
FBTC, BTCX.B, BTCC.B, EBIT, and IBIT reviewed side by side.
How it works
Free. The 5-layer strategy used on a real Canadian sheet: corporate treasury, TFSA, RRSP, credit, self-custody.
WealthSimple is the current default because TFSA, RRSP, Cash, Crypto, and Margin sit under one login, with spot Bitcoin ETFs that fit the tax wrappers.
Size by entity and account type. Most readers use a 12-week DCA window. Most do this without a call.
From this week
See the year-by-year path before you size the sheet.
Past returns are a map of weather, not a forecast.
The down years are part of the path. Read 2014, 2018, and 2022 before you size.
A large past window is not a reason to buy. Size with allocation. Place with the wrappers that fit.
Tools
Allocation sizer, TFSA growth, DCA, capital gains by province, FHSA, MER drag, historical returns. Same paper as the rest of the site.
Open the tools