Swiss.
private money.
One balance.

Francs, euros, dollars and crypto that only you control.

Open account For business

All your money in one placeCHF, EUR, USD and crypto
Your payments stay privateEncrypted on Swisstronik
Pay anywhere with your cardVisa, virtual and physical

Your payments are
nobody's business.

How it works

Only you can see your balance and your history.

You Friend Market

Amount: CHF 240.00
Counterparty: @anna
Balance: CHF 12,633.32
History: 148 payments

Privacy

Your payments are
nobody's business.

How it works

Received CHF 240.00Received CHF 8,400.00Sent CHF 64.20Sent CHF 35.00Received EUR 320.00Sent CHF 49.00Sent CHF 82.40Sent CHF 120.00Received CHF 240.00Received CHF 8,400.00Sent CHF 64.20Sent CHF 35.00Received EUR 320.00Sent CHF 49.00Sent CHF 82.40Sent CHF 120.00Received CHF 240.00Received CHF 8,400.00Sent CHF 64.20Sent CHF 35.00Received EUR 320.00Sent CHF 49.00Sent CHF 82.40Sent CHF 120.00Received CHF 240.00Received CHF 8,400.00Sent CHF 64.20Sent CHF 35.00Received EUR 320.00Sent CHF 49.00Sent CHF 82.40Sent CHF 120.00

Balance CHF 12,633.32Balance EUR 4,210.10Balance USDC 1,850.00Balance BTC 0.0412Balance CHF 12,633.32Balance EUR 4,210.10Balance USDC 1,850.00Balance BTC 0.0412Balance CHF 12,633.32Balance EUR 4,210.10Balance USDC 1,850.00Balance BTC 0.0412Balance CHF 12,633.32Balance EUR 4,210.10Balance USDC 1,850.00Balance BTC 0.0412

From @annaFrom @employerTo @coopTo @lukasFrom @sofiaTo @swisscomTo @migrosTo @tomFrom @annaFrom @employerTo @coopTo @lukasFrom @sofiaTo @swisscomTo @migrosTo @tomFrom @annaFrom @employerTo @coopTo @lukasFrom @sofiaTo @swisscomTo @migrosTo @tomFrom @annaFrom @employerTo @coopTo @lukasFrom @sofiaTo @swisscomTo @migrosTo @tom

Spent CHF 2,140.00Saved CHF 640.00Contacts 12Currencies 3Spent EUR 380.00Saved USDC 220.00Contacts 9Currencies 4Spent CHF 2,140.00Saved CHF 640.00Contacts 12Currencies 3Spent EUR 380.00Saved USDC 220.00Contacts 9Currencies 4Spent CHF 2,140.00Saved CHF 640.00Contacts 12Currencies 3Spent EUR 380.00Saved USDC 220.00Contacts 9Currencies 4Spent CHF 2,140.00Saved CHF 640.00Contacts 12Currencies 3Spent EUR 380.00Saved USDC 220.00Contacts 9Currencies 4

Fee CHF 0.00Rate 1 EUR = 0.94 CHFLimit CHF 5,000.00Network Swiss, privateFee EUR 0.00Rate 1 USDC = 0.88 CHFLimit EUR 2,500.00Network Swiss, privateFee CHF 0.00Rate 1 EUR = 0.94 CHFLimit CHF 5,000.00Network Swiss, privateFee EUR 0.00Rate 1 USDC = 0.88 CHFLimit EUR 2,500.00Network Swiss, privateFee CHF 0.00Rate 1 EUR = 0.94 CHFLimit CHF 5,000.00Network Swiss, privateFee EUR 0.00Rate 1 USDC = 0.88 CHFLimit EUR 2,500.00Network Swiss, privateFee CHF 0.00Rate 1 EUR = 0.94 CHFLimit CHF 5,000.00Network Swiss, privateFee EUR 0.00Rate 1 USDC = 0.88 CHFLimit EUR 2,500.00Network Swiss, private

Invoice INV-2026-114Cost centre OperationsApprovals 2 of 3 signedInvoice INV-2026-087Cost centre TreasuryApprovals 3 of 3 signedInvoice INV-2026-122Cost centre PayrollInvoice INV-2026-114Cost centre OperationsApprovals 2 of 3 signedInvoice INV-2026-087Cost centre TreasuryApprovals 3 of 3 signedInvoice INV-2026-122Cost centre Payroll

Note rent, OctoberNote dinner with AnnaNote birthday giftNote monthly planNote train to ZurichNote coffee beansNote shared taxiNote donationNote rent, OctoberNote dinner with AnnaNote birthday giftNote monthly planNote train to ZurichNote coffee beansNote shared taxiNote donationNote rent, OctoberNote dinner with AnnaNote birthday giftNote monthly planNote train to ZurichNote coffee beansNote shared taxiNote donationNote rent, OctoberNote dinner with AnnaNote birthday giftNote monthly planNote train to ZurichNote coffee beansNote shared taxiNote donation

YouFriendMarket

Partners

Every layer has a named owner.

Money Suisse is not one company asking for your trust. Supervision, operation, execution and card acceptance each sit with a named party, and you can check every one of them.

Encrypted execution A third-party network that runs every transaction in encrypted form, so the details stay unreadable outside it.

Card network Your Money Suisse card works wherever Visa is accepted, in shops, online and in wallets.Sigma Assets GmbHOperator The Swiss company that runs Money Suisse and answers for it as a VQF member.

How we keep it safe

SRO supervision

Money Suisse is supervised by VQF, a self-regulatory organisation recognised by FINMA.

BENEFITS

Money in. Money out.
One private balance.

CHF, EUR, USD and crypto arrive and leave through one account, shown in the currency you think in.

Salary · +CHF 2,400Invoice paid · +€1,150.00Received · +0.024 BTCPayout · +USDC 500Client · +CHF 40,000Refund · +€320.00Received · +0.85 ETHGift · +$1,200Reward · +USDC 2,000Cashback · +CHF 780Invoice paid · +€12,500Payout · +USDC 950Bonus · +CHF 15,000Refund · +$640Received · +0.004 BTCClient · +€2,050Salary · +CHF 3,100Payout · +USDC 7,200Salary · +CHF 2,400Invoice paid · +€1,150.00Received · +0.024 BTCPayout · +USDC 500Client · +CHF 40,000Refund · +€320.00Received · +0.85 ETHGift · +$1,200Reward · +USDC 2,000Cashback · +CHF 780Invoice paid · +€12,500Payout · +USDC 950Bonus · +CHF 15,000Refund · +$640Received · +0.004 BTCClient · +€2,050Salary · +CHF 3,100Payout · +USDC 7,200Salary · +CHF 2,400Invoice paid · +€1,150.00Received · +0.024 BTCPayout · +USDC 500Client · +CHF 40,000Refund · +€320.00Received · +0.85 ETHGift · +$1,200Reward · +USDC 2,000Cashback · +CHF 780Invoice paid · +€12,500Payout · +USDC 950Bonus · +CHF 15,000Refund · +$640Received · +0.004 BTCClient · +€2,050Salary · +CHF 3,100Payout · +USDC 7,200

Coffee · −€12.50Tram · −CHF 86.40Groceries · −$29.00Subscription · −CHF 1,250Insurance · −€4.80Lunch · −USDC 300Sent · −CHF 22.00Pharmacy · −€640.00Electricity · −$9.99App store · −CHF 410Train · −€38.20Dinner · −USDC 150Sent · −CHF 5.60Taxi · −$212.00Hotel · −€1,090Phone bill · −CHF 64.00Books · −USDC 75Sent · −€7.40Coffee · −€12.50Tram · −CHF 86.40Groceries · −$29.00Subscription · −CHF 1,250Insurance · −€4.80Lunch · −USDC 300Sent · −CHF 22.00Pharmacy · −€640.00Electricity · −$9.99App store · −CHF 410Train · −€38.20Dinner · −USDC 150Sent · −CHF 5.60Taxi · −$212.00Hotel · −€1,090Phone bill · −CHF 64.00Books · −USDC 75Sent · −€7.40Coffee · −€12.50Tram · −CHF 86.40Groceries · −$29.00Subscription · −CHF 1,250Insurance · −€4.80Lunch · −USDC 300Sent · −CHF 22.00Pharmacy · −€640.00Electricity · −$9.99App store · −CHF 410Train · −€38.20Dinner · −USDC 150Sent · −CHF 5.60Taxi · −$212.00Hotel · −€1,090Phone bill · −CHF 64.00Books · −USDC 75Sent · −€7.40

FundFrom your own IBAN, or crypto with a QR.

StakeStake supported crypto. Stablecoins earn no yield.

HoldOn one private balance, in your display currency.

UsePay by Visa card, send, swap or stake.

Product

Everything in one app.

Every screen carries its status — live, in progress, or planned.

Open appDownload

Multi-currency account

MMain walletCHF48,921.70

+0.85%24h

Fund Send Swap

Convert

Swiss francswCHF24,100.00CHF 24,100.00
EuroEURC11,800.00≈ CHF 11,021.20
US dollarUSDC9,420.00≈ CHF 7,536.00
BitcoinBTC0.0850≈ CHF 6,264.50

Live

Salary in CHF, savings in BTC, spending in EUR? One balance, shown in the currency you think in.

CHF, EUR, USD and crypto together
Totals in your display currency
Amounts hidden from the market

Visa cards

Live

Lost your card abroad? Freeze it in one tap, set limits, keep paying with the virtual one.

Virtual and physical Visa
Freeze in one tap
Monthly recap by category

Send

ConfirmTransaction to @jessie

Send USDC20.00

Confirm transaction

Live

Splitting rent with a friend? Send to their @money-tag — name and avatar resolve, the amount stays private.

@money-tag, address or SEPA / SWIFT
Name and avatar before you send
Amount private toward the market

Fund

In progress

Moving savings in? Top up from your own IBAN, or send crypto with a QR.

Transfer from your own IBAN
Crypto by QR code
Personal vIBAN in progress

Real world assets

In progress

Own a piece of real assets, not just a balance — tokenized assets sit beside your cash and crypto.

Bonds, fund units, private credit
Held between verified wallets
Payouts in stablecoins

Where we work

Swiss-based.
Open across regions.
0123456789012301234567890countries.

Switzerland, the European Union, the United Arab Emirates and the United States. Run from Zug under VQF supervision; availability is confirmed when you open an account.

Choose your side

For you, or for your company.

Personal

Your money, private and in your hands. Multi-currency account, Visa cards, sends, and swap — self-custodial.

Business

Treasury that needs more than one key. Safe multisig, role-based signing, capped sub-accounts and audit.

FAQ

Common questions.

All questions in Help Center

Who can see my balance?

You. Amounts and counterparties are encrypted on the Swisstronik network, so the market sees neither. The regulator has a lawful disclosure path — private, not hidden.

Can you freeze or move my money?

We can't move your funds — the keys stay with you. Like any regulated stablecoin, the private stablecoins on Money Suisse include compliance controls (pause and freeze) under Swiss rules.

Do you hold my funds?

No — money just passes through. Money Suisse is a product of Sigma Assets GmbH in Zug, a Swiss company under VQF SRO supervision. We never hold your funds.

How is my money private?

The Swisstronik network, which Money Suisse runs on, encrypts your amounts and counterparties at the blockchain level. The regulator still has a lawful way to audit. Private, not hidden.

Then where are my keys?

With you. You hold them; companies run a multisig. We never hold client funds.

What can I keep on one balance?

CHF, EUR and USD, next to BTC, ETH and USDC — all shown in your display currency.

Is everything live yet?

Not all of it, and we say so. The multi-currency account, Send, Fund, Cards and KYC are live. Swap and RWA are still in progress — each one carries its status.

F,012345678901234567890123456789012345678901234567890123456789.0123456789012345678901234567890123456789

That’s how much people have sent each other on Money Suisse while you were here.

Open account

Swiss.
private money.
One balance.

Your payments are
nobody's business.

Your payments are
nobody's business.

Every layer has a named owner.

Money in. Money out.
One private balance.