Swissi
Stablecoin
E-Money Token for digital settlement across the Swissi ecosystem — FINMA, FMA, BaFin licensed
A fully regulated E-Money Token (EMT) designed for institutional-grade digital settlement across the Swissi and P3 ecosystem. Built for compliance from day one, operating under the supervision of FINMA, FMA, and BaFin.
"Not a speculative asset. A digital settlement instrument for real economic activity."— Swissi Stablecoin Team
Enterprise treasury needs stable digital settlement. Existing stablecoins lack regulatory clarity and multi-jurisdictional compliance.
FINMA, FMA, BaFin licensed E-Money Token. B2B payments, e-invoicing, smart contract settlement—all within an auditable framework.
Multi-Jurisdictional Compliance
Operating as an E-Money Token under the Markets in Crypto-Assets Regulation (MiCA) with parallel licensing across three of Europe's most stringent regulatory regimes.
FINMA
SwitzerlandSwiss Financial Market Supervisory Authority
Operating under Swiss banking law with full reserve backing and segregated client assets. Integration with Swiss payment infrastructure.
FMA
AustriaAustrian Financial Market Authority
MiCA-compliant E-Money Token license for EU market access. Full passporting rights across all 27 EU member states.
BaFin
GermanyFederal Financial Supervisory Authority
German banking supervision for the largest EU economy. Direct integration with German corporate banking infrastructure.
What is an E-Money Token?
Under MiCA (Markets in Crypto-Assets Regulation), an E-Money Token (EMT) is a type of crypto-asset that purports to maintain a stable value by referencing the value of one official currency—in our case, the Swiss Franc (CHF) and Euro (EUR).
Unlike algorithmic stablecoins or crypto-collateralised tokens, EMTs are fully backed by fiat reserves held in segregated accounts at licensed credit institutions. Holders have a direct claim on the issuer for redemption at par value.
This legal structure provides the certainty required for enterprise treasury management, regulatory reporting, and integration with traditional banking systems.
Full fiat backing at all times
Instant finality on-chain
No banking hours restrictions
Direct claim on issuer
Enterprise Use Cases
Designed for real economic activity within the Swissi ecosystem and beyond.
B2B Payments
Instant settlement between ecosystem companies. No correspondent banking delays, no FX spreads for intra-ecosystem transactions.
E-Invoicing
Programmable invoices with automatic settlement on due date. Full audit trail for tax and regulatory reporting.
Smart Contract Settlement
Native integration with DLT infrastructure. Escrow, milestone payments, and conditional releases without intermediaries.
Cross-Border Treasury
CHF and EUR denominations for multi-currency treasury management across Swiss and EU operations.
Ecosystem Integration
The native settlement layer for all Swissi and P3 ecosystem companies, enabling frictionless value transfer across verticals.
Swissi AI Cluster
- 01FinAI — Automated treasury and payment processing
- 02LegalAI — Smart contract escrow and milestone payments
- 03InsAI — Premium collection and claims settlement
- 04PharmaAI — Clinical trial payments and licensing fees
- 05UniAI — Tuition payments and research grants
P3 Infrastructure
- 01P3 Energy — Energy trading and carbon credit settlement
- 02P3 Data — Data marketplace transactions
- 03P3 Electricity — Utility billing and grid services
- 04Data Centre — Compute billing and operator payments
- 05DLT — Transaction fees and validator rewards
Our Own Research Powers this Stablecoin
Every ecosystem company settles through the Swissi Stablecoin. Six domains. Six peer-reviewed papers. One unified monetary layer.
FinAI
AI-powered treasury management and payment processing. The Stablecoin enables instant B2B settlement, automated reconciliation, and real-time liquidity management across all ecosystem transactions.
Swissi Authors: Prof. Dr. Walter Kurz, Reinhard Magg
InsAI
Insurance premium collection and claims settlement. Smart contract automation ensures instant payouts in Stablecoin with full regulatory compliance and audit trails.
Swissi Authors: Prof. Dr. Walter Kurz
UniAI
Education payments and research grants. Tuition fees, scholarships, and academic funding flow through Stablecoin with DAG-verified credential integration.
Swissi Authors: Prof. Dr. Walter Kurz, Michel Marla, Wojtek Stricker
P3 Energy
Energy trading and carbon credit settlement. The Stablecoin enables instant settlement for electricity trades, renewable energy certificates, and verified carbon credits with complete audit trails.
Swissi Authors: Prof. Dr. Walter Kurz, Wojtek Stricker
Data Centre
AI compute billing and operator payments. Stablecoin enables real-time usage-based billing, automated operator settlements, and transparent cost allocation across federated infrastructure.
Swissi Authors: Prof. Dr. Walter Kurz, Wojtek Stricker, Prof. Dr. Velimir Dedić
Agnostyca
Core AI infrastructure and model marketplace. Stablecoin settles AI model licensing, API usage fees, and compute resource allocation across the entire ecosystem.
Swissi Authors: Prof. Dr. Walter Kurz, Michel Marla, Prof. Dr. Velimir Dedić
Technical Architecture
Reserve Layer
- 01Segregated fiat accounts at Swiss banks
- 02Real-time reserve attestation
- 03Independent auditor verification
- 04Overcollateralisation buffer
Token Layer
- 01ERC-20 compatible token standard
- 02Multi-chain deployment capability
- 03Native Swissi DLT integration
- 04Programmable compliance hooks
Integration Layer
- 01Banking API connectivity
- 02E-invoicing system integration
- 03ERP system connectors
- 04Treasury management interfaces
Built-In Compliance
Regulatory compliance is not an afterthought—it's embedded in the token architecture. Every transaction carries the metadata required for AML screening, tax reporting, and regulatory audit.
Programmable compliance rules enable automated enforcement of transaction limits, counterparty screening, and jurisdictional restrictions without manual intervention.
KYC/AML Integration
On-chain identity attestation with privacy-preserving verification
Transaction Monitoring
Real-time screening against sanctions lists and risk indicators
Audit Trail
Immutable record of all transactions with regulatory metadata
Reporting Automation
Automated generation of regulatory reports for all jurisdictions
Supported Denominations
Primary denomination for Swiss operations. Full backing by CHF reserves held at Swiss banking institutions under FINMA supervision.
EU market denomination for cross-border operations. Full backing by EUR reserves under FMA and BaFin supervision with EU-wide passporting.
Key Differentiators
Regulated
Not Offshore
Licensed under FINMA, FMA, BaFin—not a Caribbean shell company.
Enterprise
Not Retail
Built for B2B settlement, not speculative retail trading.
Integrated
Not Isolated
Native to Swissi ecosystem—not a generic utility token.
Audited
Not Opaque
Real-time reserve attestation by licensed auditors.
Market Opportunity
Total market capitalisation of regulated stablecoins by 2025
Annual cross-border B2B payment flows addressable by digital settlement
Average savings on cross-border transaction costs via blockchain settlement
MiCA regulation creates the first comprehensive legal framework for stablecoins in the EU, enabling institutional adoption at scale. Early movers with multi-jurisdictional licensing will capture the enterprise settlement market as traditional payment rails give way to programmable money infrastructure.
Revenue Model
Reserve Yield
Interest income on fiat reserves held at banking partners. Conservative treasury management with capital preservation priority.
Transaction Fees
Minimal fees on minting, redemption, and cross-chain transfers. Competitive with traditional wire transfer pricing.
Integration Services
Enterprise API access, custom integration support, and dedicated account management for institutional clients.
FX Conversion
Currency conversion between sCHF and sEUR denominations with transparent, market-rate pricing.
Roadmap
- —FINMA license application
- —Swiss banking partnership
- —Reserve infrastructure setup
- —Token architecture finalisation
- —sCHF pilot launch
- —Swissi ecosystem integration
- —FMA/BaFin license applications
- —E-invoicing module development
- —sEUR launch
- —EU market expansion
- —Multi-chain deployment
- —Third-party integrations
- —Full ecosystem rollout
- —Additional currency pairs
- —Institutional partnerships
- —Cross-border corridors
Built on Swissi DLT
The Stablecoin operates natively on the Swissi DLT infrastructure—a purpose-built distributed ledger optimised for regulated financial transactions. This provides the settlement finality, throughput, and compliance hooks required for enterprise adoption.
Multi-chain capability enables deployment on Ethereum, Polygon, and other EVM-compatible networks for maximum interoperability with existing DeFi infrastructure while maintaining the Swissi DLT as the canonical source of truth.
Learn more about Swissi DLTTransactions per second capacity
Settlement confirmation time
Byzantine fault tolerant consensus
Built-in regulatory hooks
Access the full details
Register as a qualified partner to view complete financials, regulatory documentation, and partnership terms.
Not a partner? Contact us for partnership inquiries