01 · Custody
Regulated banking custody
All reserves are held in segregated accounts at ATB Financial, a provincially regulated banking institution.
Last attested · May 2026 · 100.00% reserve ratio
Trust throughtransparency
Every CADC in circulation is backed 1:1 by Canadian dollars held at ATB Financial, with monthly attestations published in full.
100.00%
Reserve ratio
Monthly
Independent attestations
Verifiable reserves
Reserves that
act like reserves.
Unlike stablecoins that invest reserves in volatile or illiquid assets, CADC keeps every dollar in cash and cash equivalents at a regulated Canadian bank.
- Cash deposits at ATB Financial100% held in segregated accounts.
- Zero market riskNo exposure to crypto volatility, commercial paper, or investment instruments.
- Instant redemptionFull reserves available for immediate withdrawal around the clock.
- Monthly attestationsIndependent verification ensures every token is always fully backed.
Monthly attestations
Reserve attestation history
Every month, our reserves are independently attested and published here. Each report verifies that CADC in circulation is fully backed by Canadian dollars at ATB Financial.
| Period | Reserve amount | Status | Report |
|---|---|---|---|
| May 2026 | $1,760,398.43 | Verified | Download |
| Apr 2026 | $1,696,261.57 | Verified | Download |
| Mar 2026 | $1,643,276.07 | Verified | Download |
| Feb 2026 | $1,647,693.43 | Verified | Download |
| Jan 2026 | $1,545,051.96 | Verified | Download |
| Dec 2025 | $2,091,998.20 | Verified | Download |
| Nov 2025 | $1,590,363.93 | Verified | Download |
| Oct 2025 | $1,388,623.30 | Verified | Download |
| Sep 2025 | $1,116,696.98 | Verified | Download |
| Aug 2025 | $1,214,488.16 | Verified | Download |
| Jul 2025 | $1,362,012.40 | Verified | Download |
| Jun 2025 | $710,092.62 | Verified | Download |
| May 2025 | $1,214,586.34 | Verified | Download |
| Apr 2025 | $689,775.11 | Verified | Download |
| Mar 2025 | $808,047.02 | Verified | Download |
| Feb 2025 | $516,961.19 | Verified | Download |
| Jan 2025 | $516,310.77 | Verified | Download |
Secure by design
Three layers of
reserve assurance.
Custody, code, and audit. CADC's reserve model layers traditional banking safeguards with on-chain controls and independent third-party verification.
02 · Code
Smart contract security
CADC is built on the FiatToken standard with institution-grade controls. Token operations require cryptographic approval from multiple parties, with no single points of failure.
03 · Audit
Independent attestation
Monthly reserve attestations provide third-party verification that every CADC in circulation is fully backed. Reports are published in full, every time.