SEBA Bank AG

What SEBA Bank AG does

AMINA Bank AG (formerly SEBA Bank AG) is a Swiss-regulated digital asset bank headquartered in Zug, Switzerland, operating across five jurisdictions including Switzerland (FINMA), the EU via an Austrian MiCAR-licensed subsidiary, the UK, Hong Kong, and Abu Dhabi (FSRA branch). Founded in 2018 and rebranded to AMINA in 2023, the bank provides a full-stack platform combining traditional banking services (current accounts, deposits, lending, credit cards) with digital asset capabilities (crypto trading, custody, staking, tokenization, stablecoin rewards) under one regulated roof. Its three primary customer segments are individuals seeking integrated fiat-crypto banking, corporates (including Web3 startups) requiring corporate banking plus crypto treasury management, and enterprises needing institutional-grade infrastructure such as omnibus accounts, API integration, client money accounts, and crypto forensics.

Underlying technology includes multi-signature hot/cold wallet custody infrastructure, the AMINA Payment Network (APN) for cross-border fiat and stablecoin transfers, and integrations with major blockchain ecosystems (Polygon, Stellar, Chainlink, Circle, Ripple, Taurus). AMINA was the first regulated bank to join 21X, the EU's first regulated blockchain securities exchange, and is Ripple's first European bank customer for Ripple Payments, both of which anchor its positioning as the regulated bridge between TradFi and on-chain finance.

The business model is multi-stream and transaction-fee-heavy: trading/custody/lending/APIs generate transaction fees and recurring subscription revenue, staking and stablecoin rewards generate usage-based income, and treasury-as-a-service plus tokenization platform fees round out enterprise monetization. Pricing is quote-based and bespoke across three tiers (individual self-serve, mid-market consultation, enterprise direct sales), distributed through a hybrid channel mix of digital onboarding, expert consultation, and dedicated enterprise sales. AMINA operates a content-led marketing model anchored by research publications and press coverage rather than paid acquisition, and pursues a partnership-driven ecosystem strategy with infrastructure providers, exchanges, and the Web3 Alliance startup program.

Name

SEBA Bank AG

Legal name

AMINA Bank AG

Website

https://seba.swiss

Company type

Private

Founded year

2018

Operating status

Operating

Short description

AMINA Bank AG is a Swiss FINMA-regulated digital asset bank offering combined fiat and crypto banking, trading, custody, staking, lending, tokenization, and cross-border payments to individuals, corporates, and enterprises across Switzerland, the EU, UK, Hong Kong, and Abu Dhabi.

Ownership category

akta.pro rank

Product category

Digital Asset Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

National Commercial Banks (6021), Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Borrowing & Margin Credit Facilities (FSADAFAC)

akta.pro secondary industries

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Crypto banking services
• Digital asset custody
• Crypto trading platform
• Tokenization services
• Regulated digital banking

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

Revenue model

1. Banking Services: Banking packages providing current accounts, online banking, and related services likely on subscription or fee-based model.
2. Trading and Securities: Trading platform enabling equities, fixed income, ETFs, crypto, and FX transactions generating transaction fees.
3. Custody Services: Custody services for hot wallets, cold wallets, and off-exchange custody generating recurring fees.
4. Staking Rewards: Staking services enabling clients to earn rewards on crypto holdings.
5. Lending Products: Lending services including loans, credit cards, and overdrafts generating interest income.
6. Crypto Treasury Services: Crypto treasury as a service for corporate clients managing digital asset holdings.
7. API and Enterprise Services: API integration services for enterprise clients connecting to banking infrastructure.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

AMINA Bank AG (formerly SEBA Bank AG) is a Swiss-regulated digital asset bank providing traditional banking (current accounts, deposits, lending, credit cards) combined with crypto-native services including trading, custody, staking, stablecoin rewards, tokenization, and investment products. The bank serves individual, corporate, and enterprise clients globally through regional entities in Switzerland, the EU, UK, Hong Kong, and Abu Dhabi, operating as a full-stack bridge between traditional finance and digital assets under multiple regulatory licenses (FINMA, MiCAR, FSRA).

Product overview

AMINA Bank AG (formerly SEBA Bank AG) is a Swiss-regulated digital asset bank offering a comprehensive platform of banking, trading, custody, and investment services. The platform operates as a multi-module ecosystem with core banking services (current accounts, deposits, lending, credit cards), crypto-native products (trading, custody, staking, stablecoin rewards), investment solutions (ETPs, structured products, tokenized assets), and enterprise-grade services (omnibus accounts, API integration, client money accounts). The company holds regulatory licenses in Switzerland (FINMA), Austria (MiCAR), Abu Dhabi (FSRA), and serves clients globally through regional entities including AMINA UK and AMINA Hong Kong.

Differentiator

Problem solved

Functional benefit

Brands

• AMINA Payment Network (APN): Payment network for cross-border transfers and crypto settlement
• AMINA Gold Token (AGT)
• Web3 Alliance

Products and services

• Banking Digital banking services including current accounts, online banking, banking packages, and APIs for individuals and corporates.
• Crypto Trading Trading platform for cryptocurrencies, forex, derivatives, and securities including equities, fixed income, and ETFs.
• Crypto Custody Secure digital asset storage with hot wallets, cold wallets, custody services, and off-exchange custody options for both individuals and institutions.
• Lending Crypto-backed lending services including loans, credit cards, and overdraft facilities.
• Investments Investment solutions including ETPs, index products, discretionary mandates, structured products, AMINA Gold Token (AGT), and Elysium Alpha Bitcoin Fund.
• Deposits Interest-earning deposit accounts including fixed-term deposits, 7-day notice, and 35-day notice accounts.
• Enterprise Solutions Institutional-grade services including Omnibus accounts, Institutional Liquidity, API Integration, Client Money Accounts, Staking, Stablecoin Rewards, Investment Solutions, Lending, and Crypto Forensics.
• AMINA Payment Network (APN) Payment network for cross-border transfers and treasury management services, enabling near-real-time cross-border transfers involving fiat currencies and stablecoins including RLUSD without multiple correspondent banks or delayed clearing cycles.
• AMINA EU (MiCAR License) MiCAR-regulated crypto asset services operated through the Austrian subsidiary AMINA (Austria) AG, enabling access to up to 30 European markets.
• AMINA Gold Token (AGT) Gold-backed token offering for investment purposes.

Quantifiable outcome

• First regulated bank to join EU's first regulated blockchain securities exchange 21X under DLT pilot regime
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Twelve partnerships are on record, tiered flagship, core and minor.

• 21X (EU Blockchain Exchange)flagshipStrategic or Co-development Partner · 11 March 2026
• RipplecoreTechnology or Integration · 12 December 2025
• PolygoncoreTechnology or Integration
• StellarcoreTechnology or Integration
• ChainlinkcoreTechnology or Integration
• CirclecoreTechnology or Integration
• GenTwocoreStrategic or Co-development Partner
• MarketVectorcoreStrategic or Co-development Partner
• Kaiser PartnersminorOthers
• EuronextminorStrategic or Co-development Partner
• SIX GroupminorStrategic or Co-development Partner
• LTG (London Token Group)minorStrategic or Co-development Partner

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BitGo: Institutional digital asset custodian and trading platform offering qualified custody, lending, and staking services. Comparable to AMINA's custody and enterprise offerings, with overlap in target institutional client segments.
• Anchorage Digital: US federally chartered crypto bank offering custody, trading, staking, and issuance services to institutional clients. The leading American analog to AMINA, demonstrating the regulated crypto bank model in a different geography.
• Bitcoin Suisse: Swiss-based crypto financial services firm providing brokerage, custody, lending, staking, and tokenization. Comparable to AMINA in Swiss market positioning and crypto-native product suite, though operating under different regulatory structures (not a full bank).
• Sygnum Bank: Swiss-regulated digital asset bank offering banking, brokerage, custody, and tokenization services to institutional and private clients. The closest direct competitor to AMINA given its similar Swiss FINMA licensing, product mix, and target customer segments.
• Taurus: Swiss-based digital asset infrastructure provider offering custody, tokenization, and trading technology to banks and issuers. Direct comparability through Swiss market presence and overlapping tokenization and custody capabilities.

Broad incumbents

• Kraken: Major global crypto exchange with banking ambitions including staking, custody, and trading. Overlaps with AMINA on crypto trading and staking though lacks AMINA's full Swiss banking license and product breadth.
• Coinbase: Large publicly-listed crypto exchange and custody provider expanding into broader financial services. Competes with AMINA across retail and institutional trading, custody, and staking, with broader geographic reach.
• Standard Chartered (Zodia): Standard Chartered's crypto custody subsidiary offering institutional digital asset services. Represents incumbent bank entry into crypto custody directly competing with AMINA's institutional custody offering.

Emerging players

• Solaris SE: European embedded finance platform offering banking-as-a-service infrastructure with API connectivity. Comparable to AMINA's enterprise/API integration capabilities for clients needing regulated banking access.
• Fireblocks: Digital asset custody and infrastructure platform serving institutions with secure wallet, transfer, and settlement technology. Competes with AMINA on institutional custody infrastructure though without the full banking license overlay.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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 SEBA Bank AG