Bitcoin for Canadian Family Offices
Canadian family offices are increasingly evaluating Bitcoin as a portfolio component. This guide is written specifically for family office principals and investment teams considering Bitcoin allocation.
Why Family Offices Are Looking at Bitcoin?
Diversification beyond traditional assets. Bitcoin has historically shown low correlation with equities, bonds, and real estate — improving portfolio-level risk/return characteristics when sized appropriately.
Non-correlated store of value. Bitcoin’s fixed supply provides inflation-resistant monetary properties that no fiat-denominated asset can replicate.
Emerging institutional infrastructure. Regulated custody, structured credit products, and Bitcoin ETFs are making institutional-grade Bitcoin exposure increasingly accessible in Canada.
The Four Ways Family Offices Access Bitcoin in Canada
1. Direct Purchase (Non-Custodial)
Buy actual Bitcoin through 1Bitcoin.ca — FINTRAC-registered, non-custodial delivery to your custody solution of choice. Best for direct ownership and long-term accumulation.
2. Bitcoin ETFs (Registered Accounts)
Canada’s Bitcoin ETFs (BTCC, FBTC, BTCX) on the TSX provide Bitcoin price exposure within TFSA, RRSP, and corporate investment accounts. Suitable for capital already in registered structures.
3. Bitcoin-Backed Lending (DWM Canada)
Pledge Bitcoin as collateral, access CAD liquidity at 50% LTV without selling. 12% annual interest, Balance Trust custody. Ideal for family offices holding Bitcoin who need CAD for other investments.
4. Structured Credit (BTC Inc.)
Senior secured notes backed by Bitcoin collateral. 8% fixed coupon, 1-year term, interest prepaid at origination. Accredited investors only.
Non-Custodial for Institutional Positions
For significant family office Bitcoin allocations, non-custodial ownership is essential. Custodial risks — platform failure, regulatory freeze, counterparty default — have materialized repeatedly in the market.
1Bitcoin.ca delivers Bitcoin directly to the wallet or custody solution designated by the family office. We never hold client Bitcoin.
For large allocations, multi-signature custody arrangements and institutional-grade hardware solutions are recommended.
Tax and Regulatory Considerations
– Capital gains on disposition (50% inclusion rate)
– No registered account exemption for directly held Bitcoin
– Corporate holding structures may apply depending on family structure
– Estate planning: requires explicit seed phrase / access protocols
Work with a Canadian family office-focused advisor and tax counsel.
Contacting 1Bitcoin.ca for Family Office Inquiries
OTC & Large Bitcoin Purchases
Purchasing over $100,000 CAD?
For purchases above $100,000 CAD or OTC inquiries, please contact our brokerage team directly.
Email: jacob@1bitcoin.ca
Subject: Family Office Bitcoin Inquiry
FINTRAC Registered | Non-Custodial | Bitcoin-Only | 20,000+ Canadians | $100M+ Sold