STACK accounts aren't deposit products and so aren't covered by the Canadian Deposit Insurance Corporation (CDIC). However, because the funds loaded are held by Peoples Trust, a regulated financial institution with $7B in assets, cardholders are protected if STACK ceases operations. If STACK were to fail, all funds are returned to cardholders by law. It should also be noted that Peoples Trust holds the funds, and STACK builds the technology and experience to manage and spend it.
Additionally, we take the security and integrity of our business very seriously, and through our partnership with Mastercard, we also offer Zero Liability to our cardholders, so you are covered for any fraud or other unauthorized purchases made with STACK.