Frequently asked questions.

SWIIX AG is a Swiss stock corporation (Aktiengesellschaft) and a financial intermediary in the parabanking sector under the Anti-Money Laundering Act (AMLA). It provides execution-only cross-border payments, payment-linked FX and crypto on/off-ramp to approved corporate, institutional and professional entities. SWIIX AG is a member of VQF, a FINMA-recognised self-regulatory organisation (SRO). VQF supervises its compliance with the AMLA.

SWIIX executes payment, foreign-exchange and crypto transactions on your explicit instruction — nothing more. There is no investment advice, no discretionary decision-making, no portfolio or asset management, and no lending. You instruct your payments; SWIIX executes and settles it.

SWIIX AG is a member of VQF Verein zur Qualitätssicherung von Finanzdienstleistungen (member no. 101425), a self-regulatory organisation (SRO) recognised by FINMA. VQF supervises SWIIX AG’s compliance with its duties under the Anti-Money Laundering Act (AMLA).

SWIIX works exclusively with legal entities and structures — companies, financial institutions, family offices, trusts and foundations. Swiss and international entities can apply; non-Swiss applicants are subject to a risk assessment.

You submit an onboarding request and complete identity verification and screening — including KYC and KYB checks — through SWIIX’s secure onboarding process. Every application is reviewed by SWIIX Compliance, and access is granted only to approved clients. Submitting a request does not guarantee approval.

Client funds are held in dedicated omnibus accounts in SWIIX AG’s name with regulated payment and banking partners, strictly to execute and settle your transactions. They are non-interest-bearing, are never used for SWIIX’s own business, are tracked in per-client sub-ledgers, and are reconciled daily.

Only for the time needed to execute and settle your transaction — SWIIX holds funds solely for that purpose. Balances that remain without an associated transaction are flagged and reviewed internally, consistent with the execution-only settlement model.

No. SWIIX provides fiat-to-crypto and crypto-to-fiat execution (on- and off-ramp) for approved clients only, to and from verified, whitelisted wallets — which may include an approved third-party counterparty. Crypto is held only transitorily to complete the on/off-ramp; SWIIX does not offer crypto custody for trading or investment purposes, and provides no staking, yield, or tokenised products. Privacy coins and anonymous or non-whitelisted wallets are not supported.

No. Foreign exchange is executed only in connection with a client payment (spot), on a matched-principal basis. SWIIX does not take directional market positions or run a proprietary trading book, so it carries no balance-sheet market risk on client activity.

As a VQF member, SWIIX applies the AMLA, the VQF SRO Regulations and FATF-aligned AML and CFT standards throughout: KYC and KYB verification, sanctions and PEP screening, and — for crypto — Travel Rule information requirements. Every transaction is documented and traceable end-to-end.

Cross-border payments are executed via established banking rails including SEPA and SWIFT, across Switzerland and selected international markets. Sanctioned countries and FATF high-risk jurisdictions are excluded.