Same balance, five ways to pay it

Pay a strata lot

Bitcoin and Lightning sit beside e-transfer on every bill. The lot does not change rails to be a full owner. PAD and cheque stay for the people who already use them. Every destination on this page is a demo and cannot be paid.

Lot

CAD lock 15:00

Rate on this screen: $135,820.00 per bitcoin. It does not move while you read.

October fee

$576.00

Fees behind

$0.00

Late

$0.00

Fine

$0.00

Levy

$0.00

Ask for

$576.00

Reference LMS2847-305-202610. Of the monthly fee, $499.20 is operating and $76.80 is reserve. The owner sends one amount.

Interac e-Transfer

The everyday rail. The payment memo is the whole reconciliation.

Send to: [email protected]
Amount: $576.00
Message: LMS2847-305-202610

Send the exact amount to [email protected] from the owner’s bank.
Put the reference code in the message field. A cute memo such as “September!!” will not match.
The treasurer’s bank feed lands in suspense until the code matches a lot and a month.
A matched payment posts to that lot and splits itself between operating and the CRF. The owner does not send two payments.
Keep the bank confirmation. It is the receipt if a buyer asks for Form F later.

Bitcoin

On-chain, for an owner who wants to pay from their own wallet. The strata never holds the keys.

CAD: $576.00
Exact amount: 0.00424091 BTC · 424,091 sats
Watch-only address: bc1q-demo-lms2847-do-not-send

Open in wallet

Scan to pay

Demo code. Do not pay it.

The screen locks the CAD amount for 15 minutes at the posted rate and shows the exact bitcoin.
Pay that amount to the watch-only address. Do not round it. A different amount sits in suspense.
One confirmation posts the receipt. The CAD amount, the sats, the rate, and the transaction id are stored together.
Keys sit on council hardware wallets, 3 of 5. This software only watches.
The address on this demo cannot be paid. A live building replaces it with a real watch-only address before anyone is asked to send funds.

Lightning

Same CAD fee, settled instantly, still not custody.

CAD: $576.00
Exact amount: 0.00424091 BTC · 424,091 sats
Invoice: lnbc1demo-lms2847-do-not-pay
Standing offer: lno1demo-lms2847-monthly-do-not-pay

Open in wallet

Scan to pay

Demo code. Do not pay it.

The invoice is for the exact sats of the locked CAD amount and it expires in 15 minutes.
The owner pays from any Lightning wallet. A BOLT 12 offer is the standing monthly version for people who want a reusable code.
Payment posts the moment it settles. There is no three-day hold and no card fee.
The receipt stores the payment hash next to the lot and the month.
The invoice string on this demo is not payable. It exists so a council can see the shape of the screen.

Pre-authorized debit

Most lots in this building are on PAD. It pulls on the 1st.

The owner signs a PAD agreement once. It lists the monthly fee and warns them before a change.
The pull on the 1st uses the same reference as an e-transfer.
A failed PAD becomes an ordinary receivable the next morning, and the late fee still attaches on the 5th if it is not replaced.
Cancelling PAD is a form, not a phone call to the caretaker.

Cheque

Still accepted. Two owners use it. It is the slow rail, not a second-class owner.

Payable to The Owners, Strata Plan LMS 2847.
Write the lot and the month on the memo line.
The treasurer deposits it to the operating account and the book splits the CRF portion over to the reserve account the same week.
Form F waits until the cheque clears.

How a payment finds its lot

Every payment, on every rail, is trying to fill one number: the lot balance for a month.
The reference code is LMS2847, the lot, and the year-month. October 2026 for lot 305 is LMS2847-305-202610.
Operating gets $3.90 per entitlement point. The CRF gets $0.60. A $576 fee is one payment, then a transfer between the strata’s own accounts.
Special levy payments use the same owner and a different code, LMS2847-305-LEVY, and they land in the levy trust. They are not fees and they are not the CRF.
Fines and late fees are named in the reference only if the owner is paying them on purpose. Otherwise the cash applies oldest fee first, then late fees, then fines, then the levy.
Anything that does not match sits in suspense and shows up on the treasurer’s list the same day. It is not income until it is assigned.

September receipt tape

A sample of the month, not a second copy of the cash total. The fund statement is the number that has to tie.

Date	Lot	Rail	Reference	Amount
2026-09-01	305 Priya Nandakumar	Lightning	LMS2847-305-202609	$576.00
	September fee. Settled in a few seconds. CAD locked at $135,820 for the invoice window.
2026-09-01	410 David Singh	Bitcoin	LMS2847-410-202609	$1,215.00
	Quarterly on-chain fee from the treasurer’s own wallet. One confirmation. The strata only watches the address.
2026-09-01	101 Mei Lin Chen	E-transfer	LMS2847-101-202609	$441.00
	Reference matched on its own. The memo was exactly the code.
2026-09-02	110 Ellen Voss	Cheque	LMS2847-110-202609	$891.00
	Deposited by the treasurer. Cleared September 4.
2026-09-04	210 Edith Bernard	Cheque	LMS2847-210-202609	$891.00
	Mailbox drop. Cleared September 8.
2026-09-01	308 Helen Cho	PAD	LMS2847-308-202609	$756.00
	September fee. October was prepaid later in the month and is not in this row.
2026-09-01	106 Northwater Holdings Ltd.	E-transfer	LMS2847-106-202609	$639.00
	Corporate owner. Memo included the lot number and the month.
2026-09-18	302 Aisha Rahman	E-transfer	LMS2847-302-202609	$459.00
	First fee from the new owner, plus the $200 move fee recorded on a separate line.

Council paying a vendor

Harbour Janitorial is owed $1,340.00 for september common-area clean, due 2026-10-07. The ordinary way out is an e-transfer from the operating account, after the treasurer matches the invoice to account 6250. Bitcoin and Lightning are on the card because the vendor may ask. They are not the default, and they are never paid from the reserve or the levy trust. A bitcoin payment would be a PSBT signed 3 of 5 on hardware wallets. This software watches. It does not hold a key.