MSB FAQs

HappyCoins is a crypto payment provider that lets you buy cryptocurrency quickly and securely using your bank account or card. Your coins are sent directly to your own wallet — we don't hold crypto on your behalf.

HappyCoins is currently available to users in Canada.

Create an account and complete identity verification. Once verified, select the cryptocurrency you want to buy, enter the amount, provide your wallet address, and choose your payment method (card or open banking). Confirm the transaction and your crypto will be sent directly to your wallet.

We process transactions immediately once your payment is confirmed. Delivery time depends on the blockchain network you're receiving on — most transactions arrive within minutes. Once your transaction is submitted, you'll receive a link to the block explorer so you can follow your transaction in real time. We send directly to your wallet without intermediate holding steps.

We currently support BTC, ETH, ALGO, LTC, XLM, and USDC (Ethereum) USDQ (Ethereum). We're continuously expanding our supported assets.

HappyCoins requires a self-custodial wallet — meaning a wallet where you control your own private keys. We send crypto directly to the wallet address you provide. We do not hold or store crypto on your behalf. Popular options include MetaMask, Trust Wallet, Ledger, and Exodus, but any wallet that gives you a valid receiving address for your chosen asset will work.

We charge a flat 2% service fee on each transaction, one of the lowest rates in the industry. Network fees are passed through separately and shown in the fee breakdown before you confirm your purchase. You'll always see the full cost — HappyCoins fee, network fee, and total before proceeding, so there are no hidden costs.

We accept open banking (direct bank transfer) and card payments (debit and credit). Open banking is typically faster and avoids card processor fees. Both options are available during checkout depending on your region.

The current limits are 15 CAD minimum and 1,000 CAD maximum per transaction. These limits are subject to change as we expand our services.

Identity verification is a legal requirement for crypto service providers. It helps prevent fraud and financial crime. The process typically takes just a few minutes — you'll need a valid government-issued ID to complete verification before making your first purchase.