Switzerland Pioneers Crypto-Based Financial Infrastructure

Switzerland is emerging as a pioneer in integrating cryptocurrency into its financial infrastructure. By mid-2026, it’s projected that over 4 million Swiss citizens, approximately half the population, will actively engage with cryptocurrencies. This surge in crypto adoption can be attributed to a proactive government approach that views cryptocurrency as an opportunity rather than a risk.

Switzerland’s Split Banking Landscape

The Swiss digital banking ecosystem consists of two distinct models:

• Regulated Banks: Institutions like Sygnum and AMINA operate within traditional frameworks but offer a range of crypto services, including custody and tokenization.
• Challenger Banks: New entities are emerging, focusing on blockchain technology, smart contracts, and a compliance-first approach.

Innovative Collaborations

Sygnum has launched its own stablecoin, the Digital Swiss Franc (DCHF), facilitating real-time settlements. AMINA also provides a robust infrastructure compatible with existing financial systems. In contrast, Monerys AG, founded in 2018, is taking a unique route by establishing a bank built entirely on blockchain principles. Under the new name Artus Bank, Monerys aims to revolutionize banking by fully integrating asset tokenization and digital processes.

Redefining Financial Services

Monerys AG seeks to reshape the workflows of finance, rather than merely adapting existing structures. CEO Gavin Nathan emphasizes the need to create a banking institution supportive of future financial needs. His belief in a comprehensive transformation arises from the acknowledgment that regulatory frameworks are finally aligning with innovative goals.

A New Foundation for Banking

Instead of adapting old banking infrastructure, Monerys intends to build services from the ground up. They plan to integrate digital accounts, real-world asset tokenization, and compliance inherently within their systems. Nathan sees this endeavor not just as an improvement but as a complete overhaul of the banking model.

Switzerland’s Regulatory Landscape

Switzerland’s regulatory framework has been crucial in fostering a thriving crypto ecosystem. Following the introduction of the DLT draft law in 2019, significant advancements have been made, including the issuance of DLT trading licenses. The Swiss Financial Market Supervisory Authority (FINMA) has been proactive in weaving crypto oversight into conventional financial regulations.

International Commitment

In a significant policy development, Switzerland plans to implement the Automatic Exchange of Information (AEOI) for crypto assets beginning in 2026. This initiative will enhance tax transparency and close cross-border loopholes by exchanging financial data with 74 jurisdictions. Notable banks, including UBS, have begun piloting blockchain-based solutions for cross-border payments.

The Future of Crypto and Finance

Monerys AG, alongside other Swiss entities, is pioneering a new financial narrative. Rather than patching legacy systems, they propose constructing a fresh foundation based on emergent technologies. Nathan believes this approach represents a pivotal shift in the banking paradigm, aiming for a new operational framework for managing capital.

The coming years may see Monerys AG redefine what a bank can be, transforming it from a simple storage facility into an advanced system for programmable assets accessible to a broader audience.