Leveraging YAPEAL’s Digital First platform, both banks and non-banks can develop their own embedded finance value chains and customer journeys, fully compliant with the regulations set by the Swiss financial authority, FINMA.
Self-sovereignty in real time.
The YAPEAL Client ledger is highly flexible and customizable.
Contracts define the ownership and are linking the entities together.
Accounts can store any kind of assets and provide a wide range of metadata like (IBAN, V-IBAN, currency, digital tokens, …)
Personalised IBAN- CH2183019YOURIBAN0001
All transactions are processed in real-time based on a scalable and event driven architecture. Sync with e.g. ERPs Accounts instantly = realtime CFO
Self-sovereign
Become self-sovereign and take advantage of YAPEAL’s unique benefits to define and control your own Card Programs.
Embedded finance
With YAPEALs real-time-cards services for Banks and no-Banks, you can build your own outstanding embedded finance customer journeys.
Most modern technology
YAPEAL’s CaaS has been built from scratch as a cloud-native technology and gives you the freedom to be independent of the shackles of legacy card systems.
Instant Payments Platform
Instant closed-loop Payment (on-us)
No Scheme fees etc.
24/7/365 realtime
Peer-to-peer
Realtime holistic view
Instant payments
Instant card transactions
Identify your customers in an instant.
With Ident, your customers can identify themselves around the clock and within seconds.
A fully digital onboarding that meets FINMA regulations.
Digital onboarding process according to “FINMA RS 2016/7 Online Identification”.
Supported legal forms: Sole proprietorship, Simple partnership, Foundations, Limited companies, Public limited companies, Body corporate.
How YAPEAL Transformed Payment Processing for a Leading Investment Firm. Read more here
Save Time and Effort with an Expense Card Solution from YAPEAL. Read more here
How a Swiss City Streamlined Benefit Distribution with the Social Card from YAPEAL. Read more here