Swiss Fintech Company for Sale

A combined corporate acquisition and perpetual platform licence: established Swiss regulatory and operational foundations, with implementation under an agreed scope

Included With Sale

Swiss Operating Company

Zurich-domiciled Swiss AG incorporated in 1964, with active SRO membership under AMLA, an approved fiat and crypto financial intermediary business model, and Swiss governance and AML personnel.

Perpetual Software Licence

Perpetual contractual use rights to an enterprise-grade, API-first fintech platform, without recurring subscription licence fees. The underlying software intellectual property is not sold.

Provider Infrastructure & Integrations

Two EMIs approved and onboarded, with two additional bank / EMI contacts ready to begin onboarding after completion. Financial services depend on providers, contracts, configuration, and compliance.

Fintech Platform Services

Approved business-model capabilities; actual service availability depends on selected providers, contractual arrangements, deployment configuration, and continued legal and regulatory compliance

Crypto Wallets and Trading Desk

Custodial and non-custodial wallet functionality, crypto conversion, and fiat on/off-ramp through connected providers and supported networks.

Closed-Loop Money Transfers

Instant user-to-user transfers within the deployed platform. External payment services depend on selected providers and contractual scope.

Prepaid Debit Cards

Branded virtual and physical Visa or Mastercard programmes through integrated issuing providers, subject to onboarding and programme terms.

Named IBAN Accounts

Named IBAN functionality for individuals and businesses through selected banking or EMI providers, subject to onboarding and contracts.

Multi-Currency Exchange

Fiat FX and crypto conversion with configurable pricing and spreads, subject to supported currencies and connected providers.

Other Premium Features

Web & Mobile-Ready Interfaces

Customer onboarding, account access, transaction history, notifications, and self-service through web and mobile-ready interfaces. Deployment scope is agreed separately.

Individual & Corporate Accounts

Individual and business account structures with KYC/KYB, screening, monitoring, and case-management workflows through integrated providers.

Operational Access Controls

Enterprise-grade architecture and configurable access controls. Confirm security configuration, controls, and technical handover during due diligence.

Multi-Currency Top-Up Options

Pay-in and pay-out orchestration through selected card, account-to-account, alternative payment, and crypto providers.

Governance & Implementation

Swiss resident director and Swiss AML Officer remain in place. Platform deployment, configuration, integrations, and commercial launch follow the agreed implementation scope.

Automated AML Integration

KYC/KYB, transaction monitoring, screening, and case management through integrated compliance providers, with ongoing compliance obligations.

White-Label Branding

Branding, configuration, customization, and integrations are subject to the definitive software licence and any separately agreed implementation or development scope.

Learn why this fintech company for sale stands out →
Why Switzerland?Acquisition Checklist

Fintech Company for Sale: Company Information

An established Swiss company with an approved business model, existing provider relationships, and perpetually licensed fintech technology

Company Type

Swiss AG

Regulatory Status

Active Swiss SRO membership under AMLA

Implementation

Deployment and launch subject to agreed scope

Price

Terms available upon request

Approved Business Model

Fiat and crypto financial intermediary activities, including VASP activities

Established

Domicile

Zurich, Switzerland

Share Capital

CHF 100,000, fully paid

Software

Perpetual fintech platform licence

Additional Benefits of This Fintech Company for Sale

  • Two approved and onboarded EMIs
  • Two additional bank / EMI contacts are established; onboarding can begin after completion to enable third-party payments and customer accounts
  • Existing relationships with Sumsub, RISK SCREEN, Twilio, and Wasabi
  • Swiss resident director and Swiss AML Officer in place; both remain following acquisition
  • Combined base cost for the director and AML Officer: CHF 4,500–5,000 per month for both, including approximately 10 hours of work per month
  • 100 registered shares with a nominal value of CHF 1,000 each
  • Seller-described handover on completion with SRO notification; confirm transaction-specific SRO requirements and provider consents before signing
  • Swiss framework permits global customer relationships, subject to applicable local requirements and compliance policies
  • Perpetual software use rights without recurring subscription licence fees, subject to definitive licence terms
  • White-label configuration and branding capability, subject to licence terms and separately agreed implementation scope
  • Supporting corporate, legal, financial, compliance, and technical documentation available for due diligence
  • Representations and warranties address undisclosed liabilities and other material issues, subject to disclosures and final agreements
  • Hosting, implementation, customization, provider fees, and ongoing operational expenses are separate unless expressly included
  • Registered office address in place; appropriate Swiss operational substance should be planned as the business grows

Fintech Company for Sale: Frequently Asked Questions

Everything you need to know about buying this Swiss fintech company for sale

The Swiss AG has active Swiss SRO membership under AMLA and an approved fiat and crypto financial intermediary business model, including VASP activities within the Swiss AML supervision framework. SRO membership is not a banking licence.

The package includes the shares of a Zurich-domiciled Swiss AG incorporated in 1964 and a perpetual fintech platform licence, subject to definitive transaction documents. The company has CHF 100,000 fully paid share capital, represented by 100 registered shares of CHF 1,000 each.

Ownership transfers upon transaction completion. Commercial launch is separate: deployment, configuration, provider onboarding, integrations, and compliance readiness must be completed within the agreed implementation scope. No fixed three-week launch guarantee is offered.

The transaction includes representations and warranties addressing undisclosed liabilities, debts, litigation, regulatory investigations, and other material issues, except as expressly disclosed. Buyers and their advisers can review supporting documents in the data room before completion.

The seller describes ownership transfer on completion with notification to the relevant SRO afterwards, and retention of the Swiss resident director and Swiss AML Officer. Confirm the applicable SRO requirements for the proposed owners, management and business model in writing before signing; provider consents and commercial launch readiness are separate.

Two EMIs are approved and onboarded. Two additional bank / EMI contacts are established and can begin onboarding after completion to enable third-party payments and customer accounts. Existing relationships include Sumsub, RISK SCREEN, Twilio, and Wasabi. Transferability, integration status, and costs must be confirmed during due diligence.

No. The purchaser receives a perpetual contractual licence to deploy and use the platform for the acquired company within the agreed scope. Ownership of the underlying intellectual property remains with the software owner unless definitive agreements expressly state otherwise. Source-code access, escrow, and technical handover rights are governed by the definitive licence.

The platform supports white-label branding, configuration, and integrations under the purchaser’s identity, subject to licence terms, technical feasibility, and a separately agreed implementation or development scope. Branding and configuration are not automatically included in the licence.

The approved business model supports crypto wallets, named IBAN accounts, payments, closed-loop transfers, prepaid cards, multi-currency exchange, crypto–fiat on/off-ramp, and stablecoin settlement through third-party providers. Actual availability depends on contracts, selected providers, deployment configuration, and continued compliance.

The perpetual licence has no recurring subscription licence fees. Hosting, maintenance, support, development, third-party providers, and operating costs may still apply. The combined director and AML Officer base cost is CHF 4,500–5,000 per month for both, including approximately 10 hours of work per month. Banking costs are approximately CHF 5,000 per month. SRO fees, office costs, compliance, accounting, tax filings, AML audits, and customer support also need budgeting.

There is no separate prudential capital requirement solely because of the current SRO affiliation, and the Swiss AG’s CHF 100,000 share capital is fully paid. Implementation, hosting, customization, provider fees, and other costs are separate unless expressly included in the final agreement. Any provider deposits or reserves must be confirmed with the selected providers.

The Swiss framework permits global customer relationships, subject to the purchaser’s compliance policies, risk appetite, and applicable local legal requirements in the jurisdictions where customers are located. This does not provide automatic regulatory permission in every country.

Want to dive deeper? Explore our comprehensive guides:

Why Switzerland for Fintech? →Due Diligence Checklist →

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