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🇨🇭 Switzerland analogue

FINMA, function-based (FinTech / DLT)

Crypto (CASP / VASP) E-money (EMI)
Last verified 2026-08-15 Next review 2026-08-29

Data verified: oldest cell 47 days ago (verified 2026-07-02). Individual cells show their own verification date below.

Capital requirement Capital requirement is included with access. Included with access Timeline to authorisation Timeline to authorisation is included with access. Included with access Application cost Application cost is included with access. Included with access Passporting Passporting is included with access. Included with access

Licence type

No EMI. Closest is the FINMA FinTech licence (Banking Act Art. 1b), deposits up to CHF 100m, no interest, no lending. Larger operations need a banking licence.

Verified 3 days agoSource: Current national regulator authorisation material: https://www.finma.ch/en/authorisation/fintech/fintech-bewilligung/

Regulator

FINMA.

Verified 3 days agoSource: Current national regulator authorisation material: https://www.finma.ch/en/authorisation/fintech/fintech-bewilligung/

Recent changes

Federal Council launched public consultation on 22 October 2025 on FinIA amendments to replace the FinTech licence with two new categories: a payment instrument institution licence (permitting stablecoin issuance, removing the CHF 100m deposit cap) and a crypto-institution licence. Consultation closed 6 February 2026. Entry into force expected in 2027 at the earliest, so the current FinTech licence and its CHF 100m cap remain in effect for now.

Verified 3 days agoSource: Loyens & Loeff / Deloitte Switzerland, https://www.loyensloeff.com/insights/news--events/news/swiss-federal-council-proposes-finia-amendments-new-licences-for-payment-and-crypto-institutions-to-replace-fintech-regime/

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Not legal advice. Entries marked placeholder or awaiting verification shouldn't be relied on. Verify with Switzerland's regulator and qualified local counsel before acting.