u/Fiach_Dubh

Hi r/FidelityCanada 👋

I'm Jason Dear, Director, Finance Client Experience at Fidelity Canada, and a CPA, CA and CFA charterholder.

Some investors believe that the lowest-cost investment is automatically the best choice. But investing isn't just about what you pay. It's about what you keep.

Let's talk about investment fees, net returns, compounding, diversification, and how investors can think about value when making long-term decisions.

Ask me anything.

📅 Tuesday, September 29
⏰ 12 PM - 1 PM ET

Drop your questions below! We'll be answering live throughout the hour.

Jason Dear, CPA, CA, CFA

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The views and opinions expressed in this Ask Me Anything (“AMA”) are those of the speaker and do not necessarily express the views of Fidelity Investments Canada ULC (“FIC”) or its affiliates or related entities. Any such views are subject to change at any time, based upon markets and other conditions, and FIC disclaims any responsibility to update such views. This AMA is for informational purposes only. The views expressed should not be construed as investment, tax or legal advice and, because investment decisions for a Fidelity fund are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Fidelity fund.  None of the views expressed is an offer to sell or buy a security, or an endorsement, recommendation or sponsorship of any entity or security discussed. Certain opinions may contain forward-looking statements that are predictive in nature and which may prove incorrect at a future date. Such statements are not guarantees of future performance, should not be relied upon, and will not be updated as a result of new information. Commissions, fees and expenses may apply.  Read the fund’s or ETF’s prospectus before investing. Funds and ETFs are not guaranteed, their values change and past performance may not be repeated. Particular investment strategies should be evaluated according to an investor’s investment objectives and tolerance for risk. FIC and its affiliates and related entities are not liable for any errors or omissions in the information presented or for any loss or damage suffered.

Canada's Office of the Superintendent of Financial Institutions (OSFI) has confirmed that tokenized deposits carry the same legal status as traditional bank deposits, clearing a regulatory path for federally regulated financial institutions to build blockchain-based deposit products in 2026.

The clarification, issued in 2026, resolves a foundational legal question that had been holding back Canadian banks from developing on-chain deposit offerings. By treating tokenized deposits as functionally equivalent to conventional deposits, OSFI has signaled that federally regulated financial institutions can proceed with blockchain-based deposit products without needing a separate legal classification or bespoke regulatory regime.

The move positions Canada among the first major jurisdictions to explicitly address the legal treatment of tokenized deposits, a category distinct from stablecoins in that tokenized deposits represent claims on a regulated bank rather than on a private issuer.

64.90373154 BTC walks into a 324-in / 382-out coinjoin

54.31783009 BTC walks straight back out the other side. in one piece. with a bow on it.

about 10 BTC actually got mixed. the rest just went for a walk.
bc1qajcrhj3s2x0yfcj54emjukghv93su80svp2d3t

then he does it AGAIN
54 → 47.12126860 BTC, now in tidy 1 BTC slices
bc1qq6s7wsmf6an78xyjkst707x32nyakj3u4jy2fr

then AGAIN, 454 in / 502 out, this time 7.74840978 BTC chunks

ser you are not mixing. you are queuing.

on-chain anons: has any other ColdCard drainer peeled this loudly?

https://preview.redd.it/itgaw31amklh1.png?width=900&format=png&auto=webp&s=eba0a958aa0b409ca05eafb37e013eb89e53dec2

https://preview.redd.it/ylhdihyamklh1.png?width=900&format=png&auto=webp&s=6351dd355fa8980b52037b1aa2ae594ae77b4f48

https://preview.redd.it/ft1addvbmklh1.png?width=1200&format=png&auto=webp&s=2825c8a493c879a446087d76d4e131cab82466d0