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 2026-07-02
Source: FINMA
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
Government proposed in late 2025 to replace the FinTech licence with two new licences, a payment institution licence (including stablecoins) and a crypto institution licence.
Verified 2026-07-02
Source: Swiss govt / FINMA
Difficulty rating 🔒
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Track Switzerland
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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.