Frequently asked questions.

SWIIX AG is a Swiss financial intermediary within the meaning of Article 2 para. 3 of the Anti-Money Laundering Act (AMLA), operating in the parabanking sector. It provides execution-only payment, FX and crypto on/off-ramp infrastructure to corporate and professional clients. SWIIX is not a bank, holds no banking licence, and does not take deposits, pay interest, lend, or offer investment or savings products.

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 Swiss financial intermediary subject to the Swiss Anti-Money Laundering Act (AMLA), and its application for membership of a FINMA-recognised self-regulatory organisation (VQF) is in progress. SWIIX is not licensed by FINMA as a bank or securities firm.

SWIIX works exclusively with corporate, institutional and professional clients — companies, financial institutions, and structures such as family offices, trusts and foundations. It does not serve retail or private individuals. Both Swiss and international clients can apply, with non-Swiss clients 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. Client funds are not deposits and are not accepted for investment.

Only for the time needed to execute and settle your transaction — SWIIX is not a place to store or park money. Balances that remain without an associated transaction are flagged and reviewed internally, consistent with the execution-only, non-deposit 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 or forward), 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.

SWIIX applies Swiss AMLA 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.