Affiliate & Referral Disclosures
Last updated: April 30, 2026
BITRAGE.AI brokers a stack of third-party tools so customers don't have to wire them up themselves. Some of those partners pay us a small referral fee. None of these fees change your price. We're publishing the full list because we'd rather earn trust than hide commissions.
The full list
| Partner | What they do | Fee to BITRAGE | Benefit to you |
|---|---|---|---|
| Ownr (RBC) | Alberta incorporation + minute book | $50 CAD per incorporation referred via our partner link | 15% off Ownr fees (~$89 saved on a $599 incorporation) |
| RBC Royal Bank | Business chequing account opened inside the Ownr flow | None — no direct referral fee to BITRAGE | $300 CAD cashback when you open within 60 days of incorporation |
| Wave Accounting | Bookkeeping, invoicing, GST tracking | None on the free tier; TBD on Wave Pro (will update here) | Free tier covers most of what you need |
| Vapi | 24/7 voice receptionist | None — we resell sub-account capacity at our pack rate | You don't pay Vapi separately; capacity is included in your pack |
| Float Financial | Online business chequing (alternative to RBC) | Possible — partner program under review; will publish exact fee when active | $0 monthly on basic tier; CAD + USD accounts |
| EQ Bank | Online business chequing (alternative to RBC + Float) | None at this time | $0 monthly on basic tier; real bank with CDIC insurance |
| Zensurance | Commercial General Liability + sector insurance broker | Small finder fee on certain commercial lines, paid by broker not by you | Multi-carrier quotes pulled in one application |
| Stripe | Payment processing for your business | None — Stripe charges processing fees directly to you (2.9% + $0.30 per transaction) | PCI-compliant card handling; you never give us a card number |
How we set this up
Every third-party account is created in your legal business name, with your business email and your payment method. BITRAGE is added as a delegate (Wave Accountant role, Vapi sub-account admin, etc.) — never the account owner. You hold the credentials in your own 1Password Business vault, and we are a guest in that vault with scoped read access. At cancellation, you click "remove guest" once and we lose access to everything. You keep all data, all account history, and all partner perks (the $300 RBC cashback, the Wave file, the Vapi sub-account number) regardless of whether you stay with BITRAGE.
This is the difference between a broker who serves the customer and a broker who serves themselves. We chose this model deliberately because the alternative — putting client tools under our master accounts — is the same pattern that collapsed several US bookkeeping startups in 2024-2025 when their customers couldn't get their data out.
What changes when
If we add a new partner to the stack, or a partner changes our referral fee, this page updates within 7 days. Material changes (new partner, new fee structure) are also emailed to active customers at least 14 days before they take effect. Historical revisions are tracked in our git history at github.com/bitrage-ai.
Why we publish this
Two reasons. First, the law. The U.S. FTC and Canada's Competition Bureau have enforcement frameworks (FTC 16 CFR Part 255 in the U.S.; Bill C-59 amendments to the Competition Act in Canada) that require brokers and recommenders to plainly disclose financial relationships with the products they recommend. Penalties are not theoretical — the FTC's January 2026 sweep penalised affiliate networks at USD $51,744 per violation.
Second, the product. The packs we sell are built on stacks where the components matter. If we recommend Ownr because they pay us, that's bad. If we recommend Ownr because it's the only Alberta-licensed registry agent with a fully-online flow plus an integrated $300 cashback, and they happen to also pay us a small referral fee — that's a fair deal we can defend. Telling you the difference is the only way you can judge for yourself.
Questions
Email [email protected]. We will answer specific commission questions in writing — including exact dollar amounts on fees flagged "TBD" above once the partner program is active.