YAPEAL is a Swiss fintech company that has shifted its focus from consumer banking to offering Banking-as-a-Service (BaaS) solutions for businesses. This transition, starting in 2025, aims to provide companies with integrated financial services that improve efficiency and customer engagement.
YAPEAL offers fully digital Swiss business accounts with customizable IBANs, enabling smooth domestic and international transactions. The platform allows businesses to issue branded debit and credit cards with real-time spending controls, perfect for employees or clients. It supports instant payments, facilitating secure and immediate transactions without intermediaries.
A key feature is the digital Know Your Customer (KYC) solution for both individuals and legal entities, ensuring full compliance with regulatory requirements. YAPEAL also provides real-time APIs that allow businesses to seamlessly integrate financial services into their own applications, offering direct control and up-to-date data.
By focusing on B2B solutions, YAPEAL helps companies embed financial services into their products, opening new revenue streams and enhancing user experience. This approach aligns with the growing trend of embedded finance, where financial tools become a natural part of non-financial platforms.
Operating under a fintech license from the Swiss Financial Market Supervisory Authority (FINMA), YAPEAL complies with Swiss financial regulations. Client funds are securely held in segregated accounts at the Swiss National Bank, adding an extra layer of safety.
