Your Swiss Army Knife for Financial Solutions

From Digital Private & Business Accounts and Cards (YAPEAL Direkt) to Embedded Financial Solutions (YAPEAL Embedded).

YAPEAL Embedded - Build finance into your product

For Partners & Developers: Integrate our financial infrastructure as a service into your product to create new business models. Discover new revenue streams, and grow your business with YAPEAL.

  • Cards-as-a-Service for Banks

  • Embedded Finance for Digital Platforms

  • Market entry for FinTech

  • Customer Loyalty for Corporates

  • Social Cards for Public Entities

YAPEAL Direct - Your Gateway to accounts & cards

For Private & Business Customers: Discover our ready-to-use digital accounts, cards, and financial tools for your everyday life and your business.

  • Business Accounts and Cards

  • Business Lending by Kamuno

  • Private Accounts and Cards
    (For you and your family)

Trusted by

b sharpe logo

Our platform with cutting-edge technology, a robust regulatory framework and proven operational processes enable seamless integration of financial services into your customer journey and value chain.

Core Service Modules

Identification (KYC)

A design of a white smartphone with the text "KYC" for Know Your Customer and a checkmark.

Identification (KYC)

Online identification of natural and legal entities, digital, near-instant and FINMA compliant (KYC)

Accounts

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Accounts

Transaction accounts with self-created or virtual IBANs; CHF-deposits safely held at Swiss National Bank

Cards

A design of a white smartphone with a credit card and a plus symbol, representing enhanced payment capabilities or financial growth.

Cards

Self-sovereign issuing and management of cards, countless features, in client's design

Payments

A design of a white smartphone with a credit card and a connection symbol.

Payments

Domestic and international payments with attractive FX. Interfaces to numerous payment schemes

Monitoring & reporting

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Monitoring & reporting

"Cockpit" with powerful real-time monitoring and reporting capability for any customer and product

Solutions & target customer segments

Swiss Business Account
Business Expense Cards
YAPEAL Direct
Private Accounts and Cards
Mission-critical payments
Cards-as-a-Service for Banks
Embedded Finance for Digital Platforms
YAPEAL Embedded
Customer Loyalty for Corporates
Market Entry for FinTech
Social Cards for Public Entities

Customers

Financial Intermediaries

Corporates

Your Business. Enabled.

Why a Financial Solution from YAPEAL is the right choice.

Cutting edge technology

Empower your business with our cutting-edge Finance Solutions, featuring some of the most advanced RESTful APIs in Switzerland and beyond. Built with your growth in mind, our APIs are designed to seamlessly scale with your needs and support your international expansion ambitions.

Built in and for the cloud

At YAPEAL, we design our cloud-native, modular, and API-first core financial solution with your business at the center. Built to adapt and evolve, ensuring you’re always ahead of the curve. With YAPEAL, you gain the flexibility and innovation to meet your customers’ evolving expectations.

Innovation within the legal framework

At the core of our operations lies a robust regulatory framework designed to ensure the highest levels of compliance, quality, and transparency.

  • Seamless & Secure Access
  • Swiss-Grade Data Protection
  • FINMA Regulated and Compliant
  • Client Funds held at SNB

Operational services par excellence

We’ve designed a seamless account onboarding and identity verification process - so you don’t have to. Once you’re set up, our Swiss-based operational and compliance teams ensure that every transfer and payment runs smoothly and remains fully compliant, every day. And if you or your customers ever have transaction-related questions, our dedicated Swiss support team is available 24/7 to assist you.

Peace of mind with our Swiss regulatory framework and highest industry 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. Disclaimer: Deposit protection according to Art. 7a BankV is not guaranteed.

With YAPEAL, we can quickly and easily provide employees with credit cards, which is a big plus for our project managers who are travelling all over the world. With no transaction fees and better exchange rates, we can also save money.

Andrea Stoll, Payroll Specialist, Nüssli AG

Event Construction, 20 Branches Worldwide, 400+ Employees, 1,500+ Projects per year.

With YAPEAL, we are relying on a partner that brings digital transformation to life.

Aaron Tjango Mueller, Founder, ONE MORE GmbH

YAPEAL is our daily companion for payments of all kinds because the fees are low, the banking is clear and the usage is intuitive. This saves us unnecessary paperwork and helps us to keep track of our spending.

Dominik Werder, Co-Founder, KI-Studio GmbH

Public relations and management consulting

Success Stories

Your Business. Enabled.