As Mr. Rasul said, the 80% refers to the amount of cryptocurrency that's held in cold storage. Cold storage is where the private keys allow for the distribution of the Bitcoin. Cold storage means those keys are stored off-line. It's a more secure way of storing Bitcoin.
I'll echo what Mr. Rasul has said as well, that in Canada the security regulators require holding on a 1:1 full reserve basis, which means that for every dollar that's held at Shakepay, one dollar is held in a Canadian financial institution. Every Bitcoin that's held is also held 1:1 in our custodian.