Fintech infrastructure providers in Switzerland

additiv (Zurich, Switzerland; since 1998) - API-first wealth-management orchestration SaaS (DFS platform) for banks/wealth managers; embedded wealth. Acquired by Temenos (Q3 2026).

AMINA Bank AG (Zug, ex-SEBA) - FINMA banking licence (2019); regulated crypto banking, custody, staking, tokenization (with Taurus, Tokeny, 21X). Non-EEA HQ (CH).

Avaloq Banking Suite - core banking + wealth-management software (Zurich); 450+ customers incl. UBS, Barclays, HSBC, Deutsche Bank. Subsidiary of NEC (Japan) since Dec 2020. Unlicensed tech.

Bitcoin Suisse AG (Zug, founded 2013) - institutional crypto custody, staking, brokerage. Swiss securities-dealer licence; FINMA AML supervision. Non-EEA HQ (CH).

🏦 Local IBANs: CH

Bivial (ex-Klarpay; Switzerland, since 2019) - multi-currency IBAN accounts for online businesses and merchants; SWIFT + SEPA member and Visa Principal Member. FINMA fintech-licensed institution (Art. 1b Banking Act); ~500 corporate clients.

BPC (Switzerland) - SmartVista core and payments software (issuer and acquirer processing). Unlicensed technology.

CREALOGIX (Zurich, Switzerland; founded 1996; SIX: CLXN) - digital-banking and wealth software (Digital Hub SaaS, open banking). Acquired by Vencora (Constellation Software group), Jan 2024. Unlicensed technology.

Exoscale (Lausanne, Switzerland; subsidiary of A1 Digital / Telekom Austria Group) - European cloud with zones incl. Vienna and Swiss/EU locations, positioned on data privacy and European sovereignty. NB: Swiss HQ (outside EEA); Austrian telecoms parent.

Metaco (Zug) - institutional digital-asset custody orchestration tech (Harmonize). Acquired by Ripple (2023). Software vendor to banks (DZ Bank etc.), not itself a CASP. Non-EEA HQ (CH).

Netcetera (Switzerland) - digital payments, 3DS and tokenization; part of the G+D group (DE/EEA parent).

PXL Vision (Zurich, Switzerland) - automated browser-based identity verification (<30s) and e-signature; ZertES + eIDAS compliant (PXL Ident for QES). Clients include Swisscom, Swiss Life, BCV and SBB; R&D in Serbia and Armenia.

🏦 Local IBANs: CH

Relio (Zurich, Switzerland) - digital business accounts with Swiss IBANs for SMEs, freelancers and startups: multi-currency, FX, international transfers and accounting integration, focused on complex/international cash flows. FINMA fintech-licensed.

Skribble (Zurich, Switzerland + Karlsruhe, Germany) - e-signature platform offering SES, AES and QES via Swisscom Trust Services, the QTSP qualified under both EU eIDAS and Swiss ZertES. NB: Switzerland is outside the EEA - QES is eIDAS-valid through the Swisscom rail, but the platform is Swiss-HQ'd.

Sygnum Bank AG (Zurich) - FINMA-licensed digital-asset bank; custody, tokenization, brokerage. Also Luxembourg/Liechtenstein presence. Non-EEA HQ (CH).

Taurus SA (Geneva/Zug, founded 2018) - enterprise custody, tokenization & trading infrastructure for banks. FINMA-regulated securities firm, DORA-compliant. Tech vendor (clients hold CASP). Non-EEA HQ (CH).

Temenos (Geneva, Switzerland; listed since 2001) - core banking software, ranked #1 in core banking for 21 years (IBS). Unlicensed technology.

Teylor (Zurich, Switzerland; founded 2018) - SME lending platform and Teylor Lending Cloud SaaS, with factoring in 7 countries; acquired creditshelf and the grenke factoring arm. EUR 150m financing (Fasanara, 2025). Swiss fintech.

TWINT (TWINT AG, Zurich, Switzerland; founded 2016) - operator of TWINT, the Swiss A2A mobile scheme; owned by BCV, PostFinance, Raiffeisen, UBS, ZKB, SIX and Worldline, with 6m+ users (~2/3 of Switzerland) and 901m+ transactions in 2025. NB: Switzerland is outside the EEA. European scheme (non-EEA).

Yokoy (Zurich, Switzerland; since 2019) - AI spend, expense and invoice management with card payments (cards run on Visa); acquired by TravelPerk (ES) in 2025. Site now redirects to perk.com (TravelPerk).