How we differ
Most places make you choose: fast or safe. We want both in one place.
This page shows where our planned hybrid model (Monerys builds → Artus (bank-to-be), when licensed) sits next to how others handle this today. It's not a ranking—just a map so you can find your spot.
How to read this page
Examples are for orientation, not endorsements. Features only turn on if rules and licences allow.
Comparison Table
How different banking models handle digital assets and traditional services.
| Criterion | Artus | Sygnum Bank | AMINA Bank (ex SEBA) | Morgan Stanley | Standard Chartered | BNY Mellon |
|---|---|---|---|---|---|---|
| Regulation | FINMA licensing path pre-structured, de-risked delivery | FINMA (CH) & MAS (SG) | FINMA (CH), hubs in Abu Dhabi & Hong Kong | US, crypto exposure via ETFs | UK: Spot Desk BTC/ETH (2025) | US: Custody live since 2022 |
| Digital Assets | Trading, Custody, Staking, Tokenization, NFT, BaaS | Custody, Trading, Staking, Tokenization, AM | Custody, Trading, Lending, Tokenization | Access via ETFs, no spot custody | Spot Trading (BTC/ETH), Custody (Zodia) | Institutional Custody, Tokenization |
| FIAT Banking | Fully hybrid universal bank (Retail & Commercial) | Banking with crypto focus | Banking with crypto focus | Full-service bank, indirect crypto | Full-service bank, integrated crypto | Global custody, TradFi services |
| Geography | Switzerland start, EU/US expansion | Switzerland, Singapore | Switzerland, Abu Dhabi, Hong Kong | Global | Global | Global |
| Unique Edge | US-persons in CH (~80k), Microservices CBS, TCS Quartz Gateway, B2B Enablement | First globally regulated crypto bank | Swiss pioneer, rebrand, active asset listings | Wealth Management reach, ETF access | First G-SIB with spot desk | Trusted global custodian |
Comparative overview - models shown for orientation, not a scorecard.
Why this matters (everyday outcomes)
Speed with certainty
Payments go through with fewer stops. Where rules allow, hours/days become minutes. You can see when it went and that it went—less guessing.
One place to work
Fewer logins and re-typing. Old rails (accounts, payments, safekeeping) and—when allowed—token tools live together. Work once; the system remembers.
Proof on demand
Approvals happen inside the flow and write the record as you go. Downloads show what happened, who approved, and when—useful for you and acceptable to audit.
How money rails got here (simple timeline)
Paper → Batch files → Real-time APIs → Hybrid (fiat + on-chain)
Paper & branches
stamps, cheques, counters.
Batch & spreadsheets
overnight files; "check back tomorrow."
APIs & mobile
faster in places, still many systems to sync.
Hybrid (planned)
one place where approvals write the record, and (when rules allow) on-chain tools sit next to normal banking.
Where we fit
Monerys AG (Swiss SPV) is building this hybrid model 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).