licencemap
Informational only, not legal advice. Verify with qualified counsel before acting. Full disclaimer

🇨🇭 Switzerland analogue

FINMA, function-based (FinTech / DLT)

Crypto (CASP) E-Money (EMI)
Last verified 2026-07-03 Next review 2026-07-17

Data verified: oldest cell 1 day ago (verified 2026-07-02). Individual cells show their own verification date below.

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 2026-07-03 Source: FINMA, https://www.finma.ch/en/authorisation/fintech/fintech-bewilligung/

Regulator

FINMA.

Verified 2026-07-02 Source: FINMA

Capital requirement 🔒

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Timeline to authorisation 🔒

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Local substance 🔒

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Application cost 🔒

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Ongoing cost 🔒

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Passporting 🔒

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EMIs authorised 🔒

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Key restrictions 🔒

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Safeguarding 🔒

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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 2026-07-03 Source: 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/

Difficulty rating 🔒

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Informational only, not legal advice. Entries marked as placeholder or awaiting verification must not be relied on. Confirm all requirements with Switzerland's regulator and qualified local counsel before acting.