Monerys AG is a Swiss SPV building and filing for a full Swiss banking licence. When the licence is granted, the operating bank will be Artus (bank-to-be), incorporated as Artus Bank (NewCo).
Being Built Different
What sets this programme apart from traditional banking infrastructure projects.
Latest Core Banking Technology
Built on the most advanced core banking system available globally—exclusive technology that no other institution currently has.
Hybrid Capability
Fully integrated to transact in both fiat and crypto within a single regulated banking environment.
Proven Team
Mandated advisors have successfully created multiple financial structures in Switzerland over 10+ years, including two former FINMA officers.
Independent Escrow
Investor funds held by independent Zurich attorney with quarterly reports to shareholders for governance and compliance.
Faster & More Efficient
12-18 month timeline from start to finish—faster and more cost-efficient than traditional approaches because the team has done it before.
Clear Market Opportunity
Immediate addressable market of 80,000+ US clients in Switzerland who cannot access traditional banking services.
Recognition & Validation
Featured in Forbes, Business Insider, MarketWatch, Fortune, and other leading publications. KPMG report confirms a 3-4x multiple ROI on investor capital when license is granted.
The former US Ambassador to Switzerland has confirmed this addresses a significant market need and would be welcomed.
The Problem Today — Money Moves. Rails Don't.
Today's banking stack struggles to absorb digital assets and programmable finance. Incumbents face difficult core-system migrations, which keeps many on legacy software; manual, document-heavy processes (e.g., trade finance) persist; and clients often rely on unregulated third-party providers for crypto services because banks don't offer the full range.
Result: fragmented experiences, slower settlement, and higher operational risk — with entire use cases (tokenisation, on-chain trade finance, B2B fintech enablement) under-served.
What's missing (plain words):
- Too many stops and re-typing.
- Many logins for one job.
- Late "did it land?" answers.
- Checks (KYC/AML/approvals) happen outside the system.
"Having a vision for something great is one thing but taking action is what makes it become a reality."
The Solution — From Blueprint to Bank.
Create a Swiss hybrid bank on a latest-generation core banking system that is fully blockchain-integrated. In one regulated stack, deliver traditional services (accounts, payments, custody) plus digital-asset capabilities (integrated crypto accounts/custody and execution support, tokenisation, on-chain trade finance) and B2B services for fintechs and other banks. This is the programme Monerys AG (Swiss SPV) is coordinating for Artus (bank-to-be).
What it aims to change (when licensed):
- One flow, one record: approvals inside the system write the log as work happens.
- Fewer waits: where rules allow, hours/days become minutes.
- Clear proof: downloadable reports show what, who, when.
- Old + new together: accounts, payments, safekeeping—and (when allowed) token tools.
Roadmap to Licence
A clear path from foundation to regulated operations, with transparency at every stage.
Foundation & Planning
Company formation, strategy, and initial stakeholder engagement
- Monerys AG (SPV) incorporated
- Core team assembled
- Technology partners selected
- Initial capital structure defined
Build & Documentation
System development and preparation of comprehensive application materials
- Core banking platform integration
- Governance framework finalized
- Operational procedures documented
- Compliance infrastructure built
FINMA Application & Review
Formal submission and regulatory review process
- Full banking licence application filed
- Ongoing dialogue with FINMA
- Additional documentation as requested
- Final review and assessment
Licence Grant & Launch
Licence approval and operational commencement as Artus Bank
- Banking licence granted
- Artus Bank (NewCo) incorporated
- 1:1 shareholder conversion
- Regulated operations begin
Timeline Note: The licensing process timeline is determined by FINMA's review cycle. We remain committed to thorough preparation and responsive engagement throughout.
How It Works — From Plan to Bank
A three-phase transformation from special purpose vehicle to fully licensed Swiss bank.
Monerys AG (SPV)
Coordinates infrastructure build, partner selection, and regulatory preparation
FINMA Review
Formal application filed and reviewed by Swiss financial regulator
Artus Bank (NewCo)
Licensed entity running daily banking operations with full regulatory approval
Automatic Conversion
Upon licence grant, Monerys AG shareholders automatically convert 1:1 into Artus Bank (NewCo) shareholders. This conversion is mechanical, documented, and built into the structure from day one.
Who Benefits from Artus?
Three scenarios showing how Artus addresses unmet needs in today's banking landscape.
Cross-Border Business
A Swiss-based entrepreneur with US-reportable clients
Challenge:
Traditional banks often decline or restrict accounts for clients with US tax obligations, creating compliance friction and limiting business growth.
Artus Solution (when licensed):
Artus (when licensed) will handle US-reportable accounts within the regulated framework, with built-in compliance controls and clear documentation trails.
Outcome:
The entrepreneur serves all clients under one roof, with transparent processes that satisfy both Swiss and US regulatory requirements.
Digital Asset Treasury
A fintech company managing both fiat and digital assets
Challenge:
Current solutions force companies to split operations: traditional banking for fiat, separate custody providers for crypto, manual reconciliation between systems.
Artus Solution (when licensed):
Artus (when licensed) will offer integrated accounts covering both traditional and digital assets, with unified reporting and programmable workflows.
Outcome:
The fintech operates from a single regulated platform, reducing operational complexity and enabling real-time treasury management across asset types.
Trade Finance Automation
An import-export firm handling multi-party trade deals
Challenge:
Trade finance involves extensive documentation, multiple intermediaries, slow approvals, and limited visibility into transaction status across the chain.
Artus Solution (when licensed):
Artus (when licensed) will support tokenized trade instruments with on-chain tracking, automated compliance checks, and programmable release of funds based on predefined conditions.
Outcome:
The firm reduces settlement time from days to hours, gains real-time visibility, and provides all parties with cryptographic proof of transaction milestones.
Why Switzerland — Built Where Rigour Is the Norm.
Switzerland is rules-based and predictable. You gain a known engagement model, a regulator with clear expectations, and a jurisdiction trusted by global stakeholders. That matters when building a programmable bank — because every feature must anchor to permission and evidence.
Assurance layer:
independent Zurich counsel reviews on a schedule and an independent third-party audit firm checks controls and milestone evidence.
Common Questions
Get quick answers to the most frequently asked questions about Monerys AG and Artus Bank.
Monerys AG is the Swiss SPV that builds the infrastructure and files for the banking licence. When the licence is granted by FINMA, the operating bank becomes Artus Bank (NewCo). Monerys AG shareholders convert 1:1 into Artus Bank shareholders automatically.
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