Right now above my knowledge level

But perhaps Wealthsimple Crypto??
.......
July 13, 2017 to October 25, 2018: BOC raised rates 5 times and MCAP raised its prime rate next day each time.
2020: BOC dropped rates 3 times and MCAP waited and waited to drop its prime rate to include all 3 drops.
July 13, 2017 to October 25, 2018: BOC raised rates 5 times and MCAP raised its prime rate next day each time.
2020: BOC dropped rates 3 times and MCAP waited and waited to drop its prime rate to include all 3 drops.