Ibhange
Ilayisense lebhange
IsikhathiAkukho kushicilelwe Imali encane ye-CHF 10 million, ikhokhwe ngokuphelele, yebhange elisha elisungulwe (iBankV Art. 15); FINMA inganikeza izi exceptions ezimoni ezikhethekile (Art. 17)
- Umthetho
- Federal Act on Banks and Savings Banks (BankA, SR 952.0), Art. 3; Banking Ordinance (BankV, SR 952.02), Art. 15
- Izindleko
- Ukugunyazwa kungaphansi kwezindleko ngaphansi kwe- FINMA Fees and Levies Ordinance; akukho inani eliqinile elicacisiwe kumakhasi avakashelwe.
- Ukudluliswa kwepasipoti
- Akukho ipasipoti ye-EU; iSwitzerland ingaphandle kwemakethe eyodwa ye-EU/EEA yebhange.
Izidingo ezibalulekile- Izibhange kuphela ezivunyelwe ukuthatha izitolo zomphakathi ngesisekelo somsebenzi (kubhekwa uma kunekhasimende elingaphezu kuka-20)
- Imali engenayo ephansi ekhokhiwe ngokuphelele kanye nemali engenayo eqhubekayo kanye nemibandela yokusebenza kahle
- Isiqinisekiso sokuziphatha kwebhizinisi okungacaci yi-management kanye nabahlanganyeli abaqeqeshiwe
- Uhlelo olufanele, ukuphathwa kwengozi kanye nokuhlolwa
Sources(2)
- FINMA: Banks and securities firms authorisation · checked 2026-10-07
- Fedlex: Banking Ordinance (BankV, SR 952.02), German text in force from 1 January 2025, Art. 15 and 17a · checked 2026-10-07
Inhlangano yemali-elektroniki
Ilayisense le-FinTech (abantu abangaphansi kwesigaba 1b BankA)
IsikhathiAkukho kushicilelwe 3% yezimali zomphakathi kanye nezimpahla ezisekelwe kwi-crypto ezigcinwe ngokuhlanganyela zivunyelwe, kodwa okungenani i-CHF 300,000, ikhokhwe ngokuphelele futhi igcinwe ngaso sonke isikhathi (iBankV Art. 17a)
- Umthetho
- Banking Act (BankA), Art. 1b; Banking Ordinance (BankV), Art. 17a
- Izindleko
- Kuhambisana nezindleko ngaphansi kwe- FINMA Fees and Levies Ordinance; inani alicacisiwe kumakhasi axoxwe ngawo.
- Ukudluliswa kwepasipoti
- Akukho.
Izidingo ezibalulekile- Ingamukela ama-depositi aphakathi kuka-CHF ayizigidi ezingama-100 noma izimali ezisekelwe ku-crypto, uma zingekho lutho olutshalwe futhi azikho izikweletu
- Kumele kube yinkampani elawulwa izikhundla, inhlangano elawulwa izikhundla noma inkampani enesibopho esilinganiselwe nekheli elibhalisiwe kanye nomsebenzi webhizinisi eSwitzerland
- Amaklayenti kufanele aqinisekiswe ukuthi ama-deposit awagcini ngokukhuselwa kwama-deposit, noma ukuba nelungelo lokukhokha
- I-Sandbox: kuze kube yizigidi ezingama-CHF ezingu-1 zezimali zomphakathi zingavunyelwa ngaphandle kwelayisense uma kungekho bhizinisi lemali engenayo elilawulwa
Sources(4)
- FINMA: FinTech licence · checked 2026-10-07
- FINMA: FinTech (do I need authorisation?) · checked 2026-10-07
- FINMA: Banks and securities firms authorisation · checked 2026-10-07
- Fedlex: Banking Ordinance (BankV, SR 952.02), German text in force from 1 January 2025, Art. 15 and 17a · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ilayisense lendawo yokuhweba ye-DLT
IsikhathiAkukho kushicilelwe Izigidi ezingama-CHF ezingu-1 zendawo yokuhweba ye-DLT engahlinzeki ngezinsizakalo zokugcina, zokuhlanza noma zokuxazulula ngaphansi kwesigaba 73a isiqephu 1 let. b noma c seFinMIA; izigidi ezingama-CHF ezingu-5 uma yenza njalo. FINMA 50% ngaphezulu lapho kufanelekile (FinMIO Art. 13)
- Umthetho
- Financial Market Infrastructure Act (FinMIA, SR 958.1), Art. 73a; Financial Market Infrastructure Ordinance (FinMIO, SR 958.11), Art. 13 and Arts. 58a ff.
- Ukudluliswa kwepasipoti
- Akukho.
Izidingo ezibalulekile- Ukuhweba kwezimpahla ze-DLT ezihlukahlukene ngaphansi kwemithetho engafanele
- Ikwazi ukuvuma abahlanganyeli be-retail futhi ihlinzeke ngokuvikelwa okuphakathi nokuxazulula amasevisi e-DLT
- Imali encane ngaphansi kweFinMIO Isigaba 13
- Izidingo zohlelo, IT kanye nokulawula umonakalo
Sources(2)
- Fedlex: Financial Market Infrastructure Ordinance (FinMIO, SR 958.11), English version of 1 January 2025, Art. 13 · checked 2026-10-07
- FINMA: FinTech (do I need authorisation?) · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ukumenywa kwenhlangano elawulayo (SRO) yabahlinzeki bezinsizakalo ze-crypto nezimali
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe IgunyaInhlangano elawula ngayo i-Finma - Umthetho
- Anti-Money Laundering Act (AMLA, SR 955.0)
- Ukudluliswa kwepasipoti
- Akukho.
Izidingo ezibalulekile- Isebenza kulabo abaphakathi nendawo bezimali njengezihlinzeki ze-wallet, izihlinzeki zezinsizakalo zokukhokha, abashintshana imali kanye nabahwebi bemali yedijithali
- Imisebenzi yokuhlola nokubikezela ngezansi AMLA
- Imisebenzi ebandakanya ukukhokha, ukuhweba amasevisi noma izindawo zokuhweba kufanele ibe nelayisense FINMA
Sources(1)
- FINMA: FinTech (do I need authorisation?) · checked 2026-10-07
Inkampani yokutshala imali
Ilayisense lenkampani yezezimali
IsikhathiAkukho kushicilelwe Imali encane yeCHF 1.5 million, ikhokhwe ngokuphelele futhi igcinwe ngaso sonke isikhathi (FinIO Art. 69)
- Umthetho
- Financial Institutions Act (FinIA, SR 954.1); Financial Institutions Ordinance (FinIO, SR 954.11), Art. 69
- Ukudluliswa kwepasipoti
- Akukho.
Izidingo ezibalulekile- Ilayisense edingekayo yokuhweba ngokuzimela ngezimali zokuphepha ze-akhawunti yakho noma yabaxhasi
- Isiqinisekiso sokuphatha ibhizinisi ngendlela efanele
- Imithetho yokunethezeka kwezimali kanye nokuhlukaniswa kwezingozi
- Abaphathi bezimpahla zomphakathi badinga ilayisense elilodwa nemali encane engu-CHF 200,000 (FinIO Art. 42)
Sources(2)
- Fedlex: Financial Institutions Ordinance (FinIO, SR 954.11), English version of 1 January 2025 · checked 2026-10-07
- FINMA: Banks and securities firms authorisation · checked 2026-10-07
Ama-Supervisors
Ubani olawula
- I-Swiss Financial Market Supervisory Authority (FINMA) · iwebhusayithiamabhange, izinhlangano zemali ye-E-, izinkampani zokutshala imali, abahlinzeki bezinsizakalo zempahla ebonakalayo (VASPs)
I-Switzerland ayinayo inhlangano yokukhokha ehlukile noma ilayisense lenhlangano yemali ye-e-; amamodeli webhizinisi ohlobo lwemali ne-e-asebenzisa ilayisense leFinTech noma, lapho kungekho idiphozithi lithathwa khona, AMLA ukuqondiswa nge-SRO. Ngomhla ka-Okthoba 22, 2025, iBhodi Elilawulayo lavula ukuxoxisana (livale ngoFebhuwari 6, 2026) ngokushintsha umthetho wezinhlangano zezezimali ukudala izinhlobo ezimbili ezintsha zelayisense: izinhlangano zokukhokha, ezizothatha indawo yelayisense ye-FinTech, zisuse i-CHF 100 million deposit cap futhi zivumele ukukhishwa kohlobo lwe-stablecoin, kanye nezinhlangano ze-crypto. Noma ngabe i-dispatch kuParliament ibilokhu ithathwe yaqinisekiswa. Ama-Banking Ordinance amanani athathwe kusuka kumbhalo waseJalimane osebenza kusukela ngoJanuwari 1, 2025 ngoba akukho kuqiniswa kwesiNgisi okwamanje kwatholakala ku-Fedlex; ukuqiniswa okusha okusebenzayo kusuka kuJanuwari 1, 2027 kukhona. Izitifiketi ze-online casino (ukukhulisa izinkontileka ze-casino ezisekelwe emhlabathini) azikho lapha.
