Operational Layer

Your Solution. Enabled.

Our operational layer is designed to ensure a frictionless financial experience - always on, fully digital, and backed by Swiss expertise when needed. Whether you’re integrating financial services into your offering or streamlining operations, we provide the tools and support to make it happen.

Operational layer: Powering seamless embedded finance

24/7 availability – always on, always ready

Every feature on our platform is available around the clock - no downtime, no interruptions.
Your customers get seamless, uninterrupted access to financial services whenever they need them.

Embedded digital onboarding

Fully digital, frictionless onboarding enables fast and secure customer activation.
Designed for seamless integration - embed financial services directly into your platform.

Enabling your business

Provide your customers with financial services effortlessly, enhancing your product offering.
Enable full self-service functionality - your customers can manage their finances independently.

Swiss-based support, when you need it

Our Swiss-based team is here to assist, ensuring expert support whenever required.
Whether it’s compliance, transactions, or system-related inquiries, we’re ready to help.

The operational backbone of our embedded finance solutions ensures that financial services are effortlessly accessible, fully automated, and always supported.

Peace of mind with our Swiss regulatory framework and highest security standards

FINMA Regulated

YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.

Swiss Made

We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.

SNB Account

YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank.

Your Solution. Enabled.