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🇨🇭 Switzerland analogue

FINMA, function-based (FinTech / DLT)

Crypto (CASP / VASP) E-money (EMI)
Last verified 2026-10-01 Next review 2026-10-15

Data verified: oldest cell 93 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 7 weeks agoSource: Current national regulator authorisation material: https://www.finma.ch/en/authorisation/fintech/fintech-bewilligung/

Regulator

FINMA.

Verified 7 weeks agoSource: Current national regulator authorisation material: https://www.finma.ch/en/authorisation/fintech/fintech-bewilligung/

Recent changes

The Federal Council launched consultation on 22 October 2025 on Financial Institutions Act amendments that would replace the FinTech licence with payment instrument institution and crypto-institution categories. The consultation closed on 6 February 2026. The proposal would remove the CHF 100 million client-deposit cap and allow payment instrument institutions to issue specified stablecoins. The current FINMA FinTech licence and its CHF 100 million cap remain in force pending legislation.

Verified 2 days agoSource: https://www.sbfi.admin.ch/en/newnsb/x4TMWQ1SWofNoFx7XyHhY

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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.