European Banking
Your own European IBAN. Instant. Crypto native.
A second hard currency rail for qualified Swisshedge clients. EUR, CHF and USD account infrastructure, SEPA Instant payments, native crypto on and off ramp and card access coordinated around Swiss acquisition treasury.
The infrastructure
Regulated rails. One coordinated onboarding.
The European banking pilot is designed for acquisition clients who need clean hard-currency treasury: account infrastructure, safeguarding, payment execution, crypto conversion and card access under a documented compliance perimeter.
Rail 1
Payment account infrastructure
Supports payment account services, SEPA and SEPA Instant execution, FX and treasury flows for approved clients.
Rail 2
Electronic-money wallets
Supports multi-currency wallets and safeguarded client funds separated from the operating balance sheet.
Rail 3
Crypto and card access
Adds compliant virtual-asset conversion and card access where available, with one onboarding pack and one transaction record.
What clients get
One account. Three currencies. Two rails.
SEPA Instant payments
Outgoing and incoming euro transfers settle in seconds, 24 hours a day, 7 days a week. Same rail used by EU banks, no intermediaries.
Native crypto on and off ramp
Convert between USDT, USDC, BTC, ETH and EUR, CHF or USD inside the same account. No external exchange, no separate KYC.
Card access for approved clients
Physical and virtual debit cards on a major international scheme where available. Spend eligible EUR, CHF or USD balances worldwide.
Multi currency IBAN
Dedicated IBAN in your name with EUR, CHF and USD ledgers. Receive a Swiss invoice in CHF, settle a EU supplier in EUR, hold the rest in USD.
Segregated client funds
Client balances held in safeguarding accounts at European central banks, separate from the company balance sheet.
Built for acquisition treasury
Onboarding designed for international buyers, Swiss SME owners and post-closing operating needs.
Why a non EU jurisdiction
European reach without EU dependency.
SEPA reach, sovereign perimeter
A SEPA accession European jurisdiction gives full euro area reach without sitting inside EU passporting politics or EU level regulatory shifts.
Crypto under a clear framework
Virtual asset activity is supervised under a dedicated national regime aligned with international AML standards, not improvised on top of a banking license.
Independent hard-currency treasury
Client account infrastructure, IBANs and card transactions sit outside fragile local banking systems and support cross-border ownership.
Roadmap
From pilot to general availability in 2026.
We publish the full timeline rather than promise vapor. Existing clients can join the pilot. New clients can reserve a seat now.
- Q1 2026Licensing finalised, infrastructure live
Core banking, card program and crypto custody integrated. Internal testing on the live rails.
- Q2 2026Pilot with invited clients
Around 50 invited Swisshedge acquisition and treasury clients onboarded. Real IBANs, real cards, real SEPA Instant. Feedback loop with the product team.
- Q3 2026Phased rollout
Existing client base migrated in waves. SEPA Instant on every account, crypto on and off ramp open to all approved clients.
- Q4 2026General availability
Open onboarding for qualified Swisshedge clients. Card issuing at scale. Treasury and payroll FX for Swiss acquisition clients move on rail.
Q2 2026 pilot
Reserve a seat in the pilot.
Invited Swisshedge clients get the IBAN, the card and the crypto ramp first, with a direct line to the product team. Spaces are limited.
Compliance and safeguarding
Built like a bank, regulated like one.
- Regulated European payment, e-money and virtual-asset infrastructure for approved clients.
- Client funds segregated at European central-bank safeguarding accounts.
- Full KYC and KYB on every account, in line with FATF standards.
- Crypto custody aligned with MiCA principles and supervised under a national VASP regime.
- Card access audited under international scheme rules where available.
- Independent SOC 2 Type II controls on the platform stack.
FAQ
Common questions
Is this a bank?
No. EMIs and Payment Institutions are not banks. Funds are not lent out. Client balances sit in segregated safeguarding accounts at European central banks, which is structurally safer for everyday transactional money.
How is this different from Wise or Revolut?
Wise and Revolut serve a mass retail market. Swisshedge European banking is built for qualified Swisshedge clients only, with concierge onboarding and integration with our Swiss acquisition, treasury and residency workflows.
Does this replace my existing USD account?
No. The USD account opened today continues to work. The European IBAN sits alongside it and adds EUR, CHF, SEPA Instant and the crypto ramp under one platform.
Why not an EU based license?
A SEPA accession European jurisdiction gives the same euro area reach while keeping the perimeter independent of EU politics and EU level regulatory shifts. It also allows a clearer framework for native crypto activity.
Can I receive my Swiss SME distributions on this account?
Yes. Once the pilot opens, owners of Swiss SMEs acquired through Swisshedge can route CHF distributions, payroll FX and treasury through the European IBAN instead of a third party PSP.
Related
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