Timing is everything. ⏰ 🇨🇦 🍁
On March 12, 2026, Canada is capping NSF fees at $10, down from roughly $45–$48 per transaction. The government projects this will save Canadians $4.1 billion over the next decade.
At the same time, Canada is advancing its consumer-driven banking framework, creating new opportunities for banks and fintechs to collaborate on better financial tools.
Meanwhile in the U.S.?
The CFPB’s $5 overdraft fee cap was repealed, and the open banking rule remains tied up in litigation and regulatory uncertainty.
But here’s the part that doesn’t get talked about enough.
Americans paid $12.1 billion in overdraft and NSF fees in 2024. A small group of frequent overdrafters pays nearly three-quarters of those fees.
These are often people living with only a few hundred dollars in their accounts at any given time, where one forgotten autopay or one impulsive purchase can trigger a cascade.
CFPB research has also found that consumers who opt into overdraft protection are about 2.5× more likely to experience involuntary account closure. And millions of U.S. households that once had bank accounts no longer do.
Now layer something else on top.
Research shows adults with ADHD report significantly more challenges with impulse spending, missed payments, exceeding credit limits, and saving money. One study estimates a $543,000 to $616,000 lifetime earnings gap associated with ADHD.
These are not irresponsible people.
Often, they’re people using financial systems that were never designed for brains with executive dysfunction.
That’s the gap.
Pistachio Pay exists to close it.
We’re building a trauma-informed financial automation platform for neurodivergent adults. Instead of asking users to manually manage every financial decision, we automate the protections that help stop financial cascades before they start.
And that’s not just good for consumers. It’s good for banks.
A stabilized customer doesn’t overdraft repeatedly. They don’t default. They don’t get charged off. They stay, grow, and become long-term account holders.
That’s the B2B2C opportunity.
Fee caps are a policy win. But what happens between the cap and the crisis?
That’s where we live.
Canada is building.
The U.S. is still figuring it out.
And Pistachio Pay is ready.
Money should work with your brain.
Pistachio Pay is being built to reduce the mental load of money management for neurodivergent adults.