AMINA Bank AG

What AMINA Bank AG does

AMINA Bank AG is a Swiss-regulated crypto bank (formerly SEBA Bank, rebranded in December 2023) headquartered in Zug, Switzerland, that operates as an integrated bridge between traditional finance and digital assets. The bank holds FINMA banking and securities dealer authorization and operates regulated subsidiaries under Austria's MiCAR framework (covering ~30 EU markets), Hong Kong's SFC Type 1 license, and an FSRA-regulated branch in Abu Dhabi Global Market, plus a UK entity. It targets professional and high-net-worth investors (CHF 500K+ entry), corporates (including Web3 startups), asset managers, and financial institutions, serving them through relationship managers, digital onboarding (mobile/web), and a corporate API.

The platform combines traditional banking (current accounts in 19 currencies, fixed-term and notice deposits, credit cards, overdrafts, securities trading) with digital asset services including segregated hot/cold wallet custody (HSM/MPC secured, air-gapped), NFT custody, 24/7 crypto and FX trading, AMINA Pro trading platform, derivatives (OTC options), staking across 8 proof-of-stake networks, crypto-backed lending from CHF 200K, tiered banking packages (Silver/Gold/Platinum/Corporate), tokenization infrastructure via Tokeny, and the AMINA Payment Network for instant settlements. Revenue is generated through subscription fees (waived above tier thresholds), transaction fees on trading spreads, 15% fees on ETH staking rewards, custody fees (waived for many stablecoins), interest spreads on deposits and crypto-backed loans, and professional tokenization services.

The business is in expansion mode: 2025-2026 saw a 69% revenue surge, MiCA licensing through Austria (Nov 2025), Hong Kong SFC Type 1 license uplift making it the first international banking group authorized for comprehensive crypto trading and custody in Hong Kong (Nov 2025), first-bank status for Ripple Payments and RLUSD stablecoin in Europe, Google Cloud Universal Ledger payment infrastructure pilot, first regulated bank globally for Canton Coin custody/trading (May 2026), and 21X DLT platform participation. Founded in 2018, AMINA has raised approximately CHF 245M+ across seed, Series B (Dec 2020), and Series C (Jan 2022; lead investor Valour, with notable participation from FTX/Alameda Research, Julius Baer, and Summer Capital), and now operates with 200-300 employees globally.

Name

AMINA Bank AG

Legal name

AMINA Bank AG

Website

https://aminagroup.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

AMINA Bank AG is a Swiss FINMA-regulated crypto bank offering integrated traditional and digital asset banking—custody, trading, staking, lending, and tokenization—to professional investors, corporates, and financial institutions across Switzerland, the EU, Hong Kong, the UAE, and the UK.

Ownership category

akta.pro rank

Product category

Crypto Banking

NAICS

Commercial Banking (522110)

SIC

Finance Services (6199)

akta.pro primary industry

Centralized Crypto Lending Platforms (CeFi) (FSADAFAA)

akta.pro secondary industries

Crypto-Backed Business / SME Loans (Secured) (FSADAFAH), Crypto-Backed Consumer Loans (Secured) (FSADAFAG), Crypto Borrowing & Margin Credit Facilities (FSADAFAC), Syndicated Crypto Loans & Credit Facilities (FSADAFAK)

Keywords

• Crypto banking
• Digital asset custody
• Institutional crypto trading
• Regulated crypto staking
• Asset tokenization services

Headquarters

HQ city

Zug

HQ country

Switzerland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Banking Services: Traditional and crypto banking services including current accounts, deposits, credit cards, and overdrafts. Revenue from account fees, transaction fees, and interest spreads on lending.
2. Crypto Custody: Institutional-grade custody services for cryptocurrencies, stablecoins, and NFTs. Revenue from custody fees (though many stablecoin custody offerings are fee-free to attract deposits).
3. Trading (Crypto, FX, Securities): 24/7 cryptocurrency and forex trading with competitive pricing, securities trading across American, European, and Asian markets, and OTC derivatives trading. Revenue from trading spreads and commissions.
4. Staking Services: Staking rewards generation for clients across 8 assets (ETH, SOL, ADA, DOT, POL, XTZ, TON, ATOM). AMINA takes 15% fee on ETH staking rewards; no fees on other assets.
5. Stablecoin Rewards: Quarterly rewards on stablecoin holdings (USDG live, RLUSD coming) with minimum 10,000 balance requirement. Custody fee-free for participating stablecoins.
6. Crypto-Backed Lending: Loans secured against crypto or traditional assets starting from CHF 200,000. Available in major fiat currencies at competitive rates. Revenue from interest on loans.
7. Deposits (Fixed-Term, Notice Accounts): Interest-bearing deposits in CHF, EUR, USD, GBP with fixed-term and notice account options. AMINA earns spread on these deposits.
8. Tokenization Services: Partnership with Tokeny enabling institutional tokenization of assets. AMINA provides regulated banking bridge for tokenization of government bonds, corporate securities, treasury bills.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

AMINA Bank AG operates as a regulated Swiss crypto bank providing an integrated platform that combines traditional banking services (current accounts, deposits, credit cards, overdrafts, lending) with full-spectrum digital asset capabilities (hot/cold/NFT custody, 24/7 crypto/FX/securities/derivatives trading, regulated staking across 8 networks, stablecoin rewards, crypto-backed loans, and asset tokenization). The bank serves professional investors, corporates, Web3 startups, asset managers and other banks through its FINMA license and additional regulatory permissions under MiCA (Austria), SFC (Hong Kong) and FSRA (Abu Dhabi), supported by an AMINA Payment Network for instant cross-border settlements and a Banking API for corporate integration.

Product overview

AMINA Bank AG is a Swiss-regulated crypto bank offering an integrated platform that combines traditional banking services with digital asset capabilities. The core platform encompasses banking (individual and corporate), crypto custody (hot wallet, cold wallet, NFT custody, off-exchange custody), trading (crypto/FX, securities, derivatives), deposits (fixed-term, notice accounts), lending (crypto-backed loans, credit cards, overdrafts), and payments. The ecosystem extends through staking services (8 assets), stablecoin rewards, tokenization solutions, and specialized offerings including the AMINA Payment Network for instant settlements, Web3 startup packages, and institutional treasury management. Key sub-brands include AMINA Gold Token for tokenized gold, Elysium BTC Alpha Fund, ETP/index products, and tiered banking packages (Silver/Gold/Platinum/Corporate). The platform operates globally with regional entities in Hong Kong, UK, EU (Austria), and Abu Dhabi, each with appropriate regulatory licenses.

Differentiator

Problem solved

Functional benefit

Products and services

• AMINA Banking (Individual) Full-service banking for individuals combining traditional fiat banking (current accounts, deposits, credit cards, overdrafts) with cryptocurrency custody, trading, staking and tokenized investments inside one regulated Swiss banking relationship. Targeted at qualifying professional/HNWI clients.
• Crypto Custody (Hot and Cold Wallets) Regulated custody of cryptocurrencies using HSM/MPC-secured hot wallets for fast access and air-gapped cold wallets under Swiss Federal Law, with assets segregated from the bank's balance sheet. Designed for institutional and professional clients.
• NFT Custody Regulated custody, deposit, storage and withdrawal service for Ethereum-based NFTs (ERC-721) with full audit trail. First such service offered by a regulated bank worldwide.
• Crypto and FX Trading 24/7 trading of cryptocurrencies and forex through desktop, mobile app and AMINA Pro with FIX API connectivity, aggregated liquidity and competitive spreads. Built for professional and institutional clients.
• Securities Trading Trading access to American, European and Asian equities, bonds and ETFs through the same regulated platform as crypto trading. Targeted at professional and institutional investors seeking multi-asset diversification.
• Derivatives Trading Over-the-counter European-style crypto options trading with AMINA as principal counterparty, covering BTC, ETH, SOL, DOT, ADA, AVAX, XTZ and XRP for yield, hedging, leverage and risk-reversal strategies. Designed for professional and institutional clients.
• Deposits (Fixed-Term and Notice Accounts) Interest-bearing fixed-term deposits (2-12 months from CHF/EUR/USD/GBP 50,000) and 7-day and 35-day notice accounts with Swiss withholding tax treatment. Available to professional and institutional clients.
• Crypto-Backed Loans Fixed-term and roll-over lending from CHF 200,000 secured by crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT, staked coins) or traditional collateral, with competitive rates in major fiat currencies. Targeted at professional clients and corporates.
• Staking Regulated crypto staking for 8 assets (ETH, SOL, ADA, DOT, POL, XTZ, TON, ATOM) with rewards of 2-20% p.a., offered in custodial and non-custodial modes for professional and institutional clients.
• Stablecoin Rewards Account Quarterly stablecoin rewards programme for clients holding eligible stablecoins (USDG live with up to 3.5% indicative reward, RLUSD coming) with a 10,000 minimum eligible balance and 0% custody fees for participants.
• AMINA Payment Network (APN) Real-time settlement network offering free instant payments between participating banks, crypto exchanges and trading firms in CHF, EUR, USD, GBP, AED and HKD, with API integration for corporate clients.
• Off-Exchange Custody Custody service for corporate clients that keeps digital assets segregated from exchanges and counterparties, mitigating counterparty risk while preserving trading accessibility.
• Corporate Banking Corporate banking combining multi-currency accounts (19 currencies), crypto custody, FX and securities trading, payments, lending and API integration for corporates, fintechs and Web3 companies.
• Crypto Treasury as a Service Institutional-grade corporate treasury solution for managing digital-asset holdings alongside traditional assets, enabling yield generation and compliance workflows for corporate treasurers.
• AMINA Gold Token (AGT) Regulated tokenized gold product enabling digital ownership of allocated physical gold through a Swiss-regulated bank-issued token. Targeted at investors seeking regulated digital gold exposure.
• Elysium BTC Alpha Fund Bitcoin-focused fund offering institutional-grade exposure to Bitcoin with alpha-generation strategies for professional and institutional investors.
• ETPs and Index Products Exchange-traded products and crypto indices (such as the AMINA Crypto Asset Select Index ETP and Bitcoin Trend Indicator Index with CoinDesk Indices) listed on major European exchanges for institutional and qualified investor access.
• Discretionary Mandates Actively managed discretionary investment mandates for digital-asset portfolios, where AMINA manages client portfolios according to defined strategies. Targeted at HNWIs and family offices.
• Structured Products Institutional-grade structured products on crypto underlyings offering tailored risk-return profiles for qualified investors.
• AMINA Pro Trading Platform Advanced trading platform with direct market access, sophisticated order types, enhanced trading tools and FIX API connectivity for professional and institutional traders.
• Virtual IBANs Virtual International Bank Account Numbers enabling corporate clients to hold multi-currency accounts and facilitate international payments through AMINA's banking rails.

Quantifiable outcome

• 69% revenue surge - Switzerland's fastest-growing crypto bank
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature6 records

Partnerships

20 partnerships are on record, tiered core, secondary and minor.

• Canton Network / Digital AssetcoreTechnology or Integration · 6 May 2026First regulated bank to offer custody and trading services for Canton Coin (CC), the native token of Canton Network developed by Digital Asset and backed by Goldman Sachs, Visa, BitGo. Institutional blockchain infrastructure for tokenized finance.
• Google CloudcoreTechnology or Integration · 9 April 2026Payment infrastructure pilot using Google Cloud Universal Ledger (GCUL) for 24/7 real-time domestic settlements using distributed ledger technology. Partnership with Crypto Finance Group and AMINA Bank enabling instant account-to-account transfers within Switzerland's regulatory framework.
• Crypto Finance GroupsecondaryTechnology or Integration · 8 April 2026Partnership in Google Cloud Universal Ledger payment infrastructure pilot. Successful second-phase pilot completed for instant account-to-account transfers.
• Incore BanksecondaryTechnology or Integration · 8 April 2026Partnership in Google Cloud Universal Ledger payment infrastructure pilot completing second-phase for instant account-to-account transfers.
• 21XcoreStrategic or Co-development Partner · 10 March 2026AMINA became first fully regulated bank to join 21X, Europe's first fully regulated DLT trading and settlement system under EU's DLT pilot regime, licensed by Germany's BaFin. AMINA acts as listing sponsor supporting companies seeking to issue tokenized securities.
• Web3 Alliance Partners (17 companies)secondaryChannel Partner/ Reseller/ Distributor · 16 December 2025Network linking Web3 startups to specialized business services including banking, compliance, fundraising, and strategic guidance. 17 Web3-native partners across venture capital, law and tax advisory, blockchain protocols, and Web3 consultancies.
• RipplecoreTechnology or Integration · 12 December 2025First European bank adoption of Ripple Payments enabling near real-time cross-border transactions 24/7 without traditional correspondent banking infrastructure. AMINA also became first bank globally to support Ripple USD (RLUSD) stablecoin. Integration addresses settlement gaps between blockchain and traditional banking.
• PaxoscoreTechnology or Integration · 2 December 2025Integration of Paxos' USDG stablecoin into AMINA services and participation in Global Dollar Network alongside leading financial institutions. USDG stablecoin rewards live with up to 3.5% indicative reward.
• Tokeny (Apex Group)coreStrategic or Co-development Partner · 27 October 2025Strategic collaboration with Tokeny, an on-chain finance operating system and Apex Group company, to create a regulated banking bridge for institutional tokenization of assets such as government bonds, corporate securities, and treasury bills. Combined solution offers end-to-end tokenization capability with time-to-market measured in weeks.
• Polygon FoundationcoreStrategic or Co-development Partner · 9 October 2025Partnership to offer institutional POL staking services, making AMINA the first regulated financial institution globally to provide regulated staking access to POL with yields up to 15%. Service designed for qualified institutional participants including asset managers, family offices, and pension funds.
• CirclecoreTechnology or Integration · 29 August 2025Expanded partnership through Circle Alliance Programme. AMINA has transacted billions in USDC and EURC stablecoins through its FINMA-regulated banking system. Stablecoin rewards programme offering minimum 0.2% annual interest rate to clients holding at least 10,000 USDC or EURC.
• Metalpha (NASDAQ listed)secondaryStrategic or Co-development Partner · 28 August 2025Partnership to advance digital asset wealth management in Hong Kong, combining AMINA's regulated banking infrastructure with Metalpha's distribution capabilities.
• TenitysecondaryStrategic or Co-development Partner · 3 October 2024AMINA joined Tenity as Global Innovation Partner to offer crypto banking services to Tenity's network of over 1,600 fintech and Web3 startups across 6 hubs in Zurich, Singapore, Madrid, Istanbul, Tallinn, and London.
• Project Agora (BIS, Bank for International Settlements)coreStrategic or Co-development Partner · 18 September 2024Selected to participate in Project Agora exploring tokenization of cross-border payments, a major initiative by BIS Innovation Hub, Bank of England, and others.
• CoinDesk IndicesminorStrategic or Co-development Partner · 4 July 2024Partnership to launch Bitcoin Trend Indicator Index, combining CoinDesk Indices' index expertise with AMINA's crypto banking infrastructure.
• TaurussecondaryTechnology or Integration · 10 April 2023Strengthened partnership for digital asset infrastructure, custody, and tokenization capabilities.
• HashKey GroupsecondaryStrategic or Co-development Partner · 8 February 2023Strategic partnership to accelerate institutional adoption of digital assets in Hong Kong and Switzerland, linking HashKey's Asian market expertise with AMINA's Swiss regulatory platform.
• St. Galler KantonalbankminorChannel Partner/ Reseller/ Distributor · 2 November 2022Partnership to provide digital asset services and advance adoption in Switzerland, extending AMINA's services through regional bank network.
• LGT BankminorChannel Partner/ Reseller/ Distributor · 4 May 2022LGT Bank selected SEBA Bank (now AMINA) to provide digital asset custody and brokerage services, extending AMINA's reach through traditional private banking channels.
• Banque de FrancecoreStrategic or Co-development Partner · 21 June 2021Successful CBDC experiment with Banque de France, exploring central bank digital currency integration with digital asset services.

Scale indicators12 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Sygnum Bank: Sygnum is a Swiss-regulated digital asset banking group operating under a FINMA banking and securities dealer license. Direct competitor offering institutional crypto banking, custody, trading, lending, staking, and tokenization services to professional clients. Headquartered in Zurich with offices in Singapore and Abu Dhabi.
• Bitcoin Suisse: Bitcoin Suisse is a Swiss-regulated crypto financial services firm offering custody, trading, lending, staking, and tokenization. While not a full banking license holder, it is the closest Swiss peer in institutional crypto financial services and competes for the same HNWI and institutional clients as AMINA.
• Zodia Custody: Zodia Custody is a UK-based institutional crypto custody provider backed by Standard Chartered and Northern Trust, with subsequent SBI Holdings investment. Direct competitor in regulated institutional crypto custody and banking-adjacent services, with similar bank-grade security and compliance positioning.
• BitGo: BitGo is a US-headquartered institutional digital asset custody and financial services provider with trust company charters, offering qualified custody, lending, trading, and staking. Comparable to AMINA on institutional custody, lending, and staking, with overlapping client base of funds, family offices, and trading firms.

Emerging players

• Fireblocks: Fireblocks is a digital asset infrastructure platform offering custody, settlement, treasury management, and tokenization for institutions. Overlaps with AMINA's institutional custody, treasury-as-a-service, and tokenization offerings but operates more as infrastructure-as-a-service rather than a regulated bank.
• Galaxy Digital: Galaxy Digital is a diversified financial services firm focused on digital assets, offering trading, asset management, and treasury solutions to institutional clients. Comparable in institutional digital asset services, with particular overlap on trading and asset management.
• HashKey Group: HashKey is an Asia-based regulated digital asset financial services group with operations in Hong Kong, Singapore, and other APAC markets. AMINA has an active partnership with HashKey to accelerate institutional adoption; both target institutional and professional clients with regulated custody and trading.

Broad incumbents

• Fidelity Digital Assets: Fidelity Digital Assets is the institutional crypto arm of Fidelity Investments, offering custody and trading services to institutional clients. Comparable on regulated institutional custody and trading; AMINA differentiates with broader banking, staking, and tokenization services.
• Coinbase Prime / Coinbase Institutional: Coinbase is a US-listed crypto exchange with a strong institutional prime brokerage offering custody, trading, and staking. Comparable on institutional crypto services but operates primarily as an exchange rather than a regulated bank, with limited fiat banking and tokenization capabilities relative to AMINA.

Regional players

• Metalpha Technology Holding: Metalpha is a Hong Kong-headquartered digital asset wealth management firm listed on NASDAQ. AMINA has an active partnership with Metalpha to advance digital asset wealth management in Hong Kong; both target institutional and family office clients in the APAC region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AMINABankGlobal
• YouTubeyoutube.com/@AMINABank
• LinkedInlinkedin.com/company/amina-bank
• Facebookfacebook.com/AMINABank
• Instagraminstagram.com/aminabank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries3 records

Funding overview

Funding rounds3 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AMINA Bank AG