By 2026, nearly half of Switzerland’s citizens — over four million people — are expected to use cryptocurrency in their daily lives. Such widespread adoption doesn’t emerge by chance; it’s the outcome of a nation that treats digital assets not as a threat, but as an opportunity to modernize finance.
Switzerland’s approach demonstrates a powerful truth: clear rules build confidence, and confidence drives innovation.
When businesses know the boundaries, they experiment. When customers trust the system, they participate.
🏦 Two Paths to the Future: Regulated Leaders vs. Blockchain-Native Builders
Switzerland’s digital finance scene now operates on two fronts:
- Traditional Banks Evolving — Regulated institutions such as Sygnum and AMINA (licensed by FINMA) are expanding their services to include digital asset custody, staking, and tokenization. Sygnum even introduced the Digital Swiss Franc (DCHF) for instant settlements, merging traditional banking credibility with crypto efficiency.
- Crypto-Native Challengers — Startups are taking a different route, building entirely new financial infrastructures powered by smart contracts and on-chain compliance.
Among these innovators is Monerys AG, soon to be known as Artus Bank — a company designing a fully licensed, blockchain-based financial institution from the ground up.
Instead of layering digital tools over legacy systems, Monerys is building banking logic around tokenization and programmability from day one.
🔧 Reimagining the Financial Stack for a Tokenized Era
While existing banks integrate digital assets into old frameworks, Monerys is reconstructing the framework itself.
Its CEO, Gavin Nathan, believes that global finance must evolve from traditional balance sheets to code-based systems — where compliance, trust, and value transfer are automated.
As Nathan explains:
“We’re not here to tweak banking. We’re here to reinvent it for the next century.”
