Europe · COUNTRY GUIDE

Switzerland

Activity-led crypto and fintech structures

Assess a Swiss company against the exact services it will provide. AML supervision, a FinTech licence and other financial permissions serve different business models.

Why consider Switzerland?

FINMA’s activity-based guidance helps distinguish service models before choosing a structure. This is useful when comparing custody, exchange, payment-related services and technology provision.

Crypto services

The regulatory position depends on the activity. SRO membership is an AML-supervision route and must not be presented as equivalent to every FINMA authorisation.

PSP, fiat and payment services

Taking deposits, holding assets, processing payments and issuing instruments can lead to different requirements. Map the customer money flow and the role of each regulated party.

Company formation and operations

Assess the entity, local management and contractual responsibilities alongside the regulatory model. Existing permissions and provider arrangements need review in an acquisition.

Tax, incentives and the full cost

Compare federal, cantonal and municipal treatment with the actual location of operations and the owners’ position. A national headline figure does not describe every Swiss structure.

Compare three figures: setup cost, the cost to operate for a year, and the tax outcome for both company and owner. Any incentive should state its eligibility conditions and be confirmed for your facts before it is included in a proposal.

Banking and provider fit

Check whether the proposed provider accepts the asset types, custody design, customer markets and monitoring arrangements.

FROM RESEARCH TO YOUR NEXT STEP

Explore opportunities through PAYMESE.

Browse published offers or submit your requirements. Guide coverage is separate from current marketplace availability.

Providers serving several countries may list under Global / multiple markets or European Union / EEA. Confirm that a provider serves your actual market.

CHOOSING THE COMPANY OR PROVIDER

Compare what makes the offer work.

The country is one decision. The company, permissions, people and commercial terms are the next.

01What you actually receive
Company shares or assets, an application service, a partner contract or software. Ask for inclusions, exclusions and the party responsible for delivery.
02Permissions and operating history
For a regulated company or provider, confirm the current registry entry, exact services, restrictions, liabilities and any change-of-control conditions.
03The full cost to operate
Compare price, capital, local staff, compliance, accounting, software, banking fees and any reserves. Include the conditions and timing of any claimed tax benefit.
04Banking and technology continuity
Confirm account and partner acceptance, settlement terms, code and data ownership, service support and what must be re-approved after a transaction.

Official sources to check

Editorial update: . This guide is an initial orientation, not a legal, tax or regulatory opinion. Check current sources and obtain advice for the proposed business and transaction.