Available funds are not a substitute for the programme’s immigration conditions.
Assess the person as well as the funding
EB-1/EB-2 eligibility, admissibility and visa availability must still be addressed. A bank balance or currency quote does not establish those requirements or mean the government has completed vetting.
Available funds answer a banking question, not an immigration one. The published sequence opens with an online application and a nonrefundable US$15,000 DHS processing fee; only afterward does USCIS prompt the applicant to file Form I-140G, the Immigrant Petition for the Gold Card Program, and only successful vetting under that petition leads to a request for the US$1 million gift to the United States. Because the pathway runs through EB-1 or EB-2 classification, having the Canadian-dollar equivalent on deposit says nothing about whether the applicant meets that classification's own criteria, remains admissible, or has a visa available. Canadian permanent residence and Canadian citizenship should never be treated as the same fact when assessing eligibility. The gift is a gift payment, not EB-5 capital or a stand-alone visa purchase, and current official instructions should be rechecked before any transfer.
Hypothetical example: A veterinarian in Saint-Charles-de-Bourget has converted enough savings to cover the published gift amount and assumes the funds alone qualify her. Before applying online, she instead identifies the EB-1 or EB-2 category she could actually claim, gathers the supporting professional evidence, and waits for the DHS fee receipt and any later I-140G prompt rather than treating her bank balance as an approval.