FINTRUST INNOVATIONS LTD

What FINTRUST INNOVATIONS LTD does

FINTRUST INNOVATIONS LTD (operating as FINTRUST AG) is a Swiss-regulated mobile fintech platform incorporated on 12 August 2019 in Murten, Canton of Freiburg, and an authorized member of SO-FIT (No. 1291) supervised by FINMA under the Swiss Federal Anti-Money Laundering Act. The platform delivers multi-currency accounts, dedicated IBANs with SEPA and SWIFT transfers, Mastercard-branded physical and virtual debit cards (including Apple Pay and Google Pay support), and cryptocurrency trading in BTC, ETH, USDT, USDC, TRX, and SOL. It serves two primary segments: individual consumers seeking a regulated multi-currency wallet with crypto and fiat rails, and small-to-medium businesses that require multi-currency accounts, bulk transfers, invoicing, expense tracking, and a dedicated account manager; services are offered worldwide except in the EU/EEA, which is restricted under MiCA.

The underlying platform is built on a modular, white-label-ready architecture with AI-powered onboarding, 3D biometric identity verification, and integration with third-party providers including Kraken for crypto execution, Bank Frick & Co. AG for fiat transit accounts, UAB Creditco (Wirecard Card Solutions representative) for card issuance, GlobalPass for AML/KYC document analysis, and Mastercard for card network acceptance. The roadmap includes the FIN Token (development targeted H1 2026), a real estate tokenization module (2026-2027), and a virtual POS terminal (2027), signaling a strategic shift toward tokenized assets and merchant acquiring on top of the core wallet.

FINTRUST operates a freemium, transaction-based revenue model. Personal accounts are free to open and monetize through crypto trading fees starting at 0.5%, SEPA/SWIFT fees at 0.1% with minimums, card top-up fees of 1%, and one-time card issuance charges (virtual 5 EUR, physical 30 EUR per three-year term). The Business Account tier charges a 2,000 CHF opening fee under a multi-year subscription model with tailored pricing and dedicated account manager support. The company is privately held and founder-controlled by CEO Robert Trajanov with Michael Herren as CFO & Compliance Lead, has 11-50 employees, has not disclosed external funding, and distributes primarily through mobile app stores plus an in-progress desktop business portal.

Name

FINTRUST INNOVATIONS LTD

Legal name

FINTRUST AG

Website

https://fintrust.ag

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

FINTRUST AG is a Swiss-regulated fintech platform offering multi-currency IBAN accounts, Mastercard debit cards, and cryptocurrency trading for individuals and SMBs globally, excluding the EU/EEA under MiCA.

Ownership category

akta.pro rank

Product category

Digital Banking Services

NAICS

Credit Card Issuing (522210), Depository Credit Intermediation (5221)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

akta.pro secondary industries

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Tokenization, Network Vaults & Credential Management (FSAGABAF)

Keywords

• Multi-currency accounts
• Digital asset trading
• Payment cards
• International transfers
• Mobile banking

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Digital Asset Trading: Buy, sell, and exchange digital assets (BTC, ETH, USDT, USDC, TRX, SOL) with fees starting from 0.5% for crypto purchases and sales. Deposits and withdrawals charged per transaction based on blockchain network conditions.
2. Account Opening Fees: Private account opening is free. Business account opening costs 2,000 CHF. IBAN opening fee is 5 EUR for both SEPA and SWIFT.
3. Payment Card Services: Virtual card priced at 5 EUR for 3 years, physical card at 30 EUR for 3 years. Top-up and withdrawal fees apply at 1% for card operations.
4. Transfer and Exchange Fees: Internal user-to-user EUR transfers are free. SEPA and SWIFT deposits/withdrawals charged at 0.1% with minimum fees. Currency exchanges have transparent competitive rates.
5. ERC-20 Network Fees: ERC-20 deposit and withdrawal fees charged at 0.9 EUR per transaction to cover Ethereum network gas costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

FINTRUST operates a Swiss-regulated, mobile-first fintech platform that provides individuals and businesses with multi-currency IBAN accounts, physical and virtual Mastercard debit cards, internal peer-to-peer transfers, SEPA/SWIFT international payments, and integrated digital-asset trading. The offering is delivered through dedicated Personal and Business product lines, supported by AI-assisted onboarding and biometric KYC, and monetised primarily via transaction fees on payments, FX, cards, and crypto trades.

Product overview

FINTRUST operates as a unified Swiss-regulated financial platform offering both personal and business banking services. The core product portfolio includes multi-currency digital wallets, personal and business accounts with dedicated IBANs, physical and virtual Mastercard debit cards, cryptocurrency trading (BTC, ETH, USDT, USDC, TRX, SOL), and international payment solutions via SEPA and SWIFT. The platform is built on modular white-label-ready architecture and integrates AI-powered KYC for automated onboarding verification. Upcoming offerings include the FIN Token for rewards/staking and a Real Estate Tokenization module. The platform positions itself as a white-label-ready solution for financial service providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Account Mobile-first, free multi-currency IBAN account for individual consumers, delivered through the iOS and Android FINTRUST apps with integrated cards, transfers, and crypto trading.
• Business Account Multi-currency business account accessed via a dedicated desktop Business Portal with an assigned account manager and a one-time 2,000 CHF setup fee, targeted at SMEs and corporate clients.
• Physical and Virtual Mastercard Debit Cards Mastercard-branded debit cards issued in physical and virtual form, linked to the multi-currency account and usable globally for payments and ATM withdrawals.
• Multi-Currency IBAN Services Multi-currency IBAN accounts supporting holding, receiving, and sending funds across multiple fiat currencies within a single wallet.
• Internal Transfers Instant peer-to-peer transfers between FINTRUST users within the platform, supporting fast, low-friction movement of funds.
• International (SEPA/SWIFT) Transfers Cross-border payments executed via SEPA and SWIFT rails, supporting outbound payments from FINTRUST accounts to global beneficiaries.
• Digital Asset Trading Buy and sell cryptocurrencies from within the FINTRUST account, with execution routed through integrated exchange venues such as Kraken.

Quantifiable outcome

• Sign up in minutes with automated verification
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• KrakencoreTechnology or IntegrationThird-party cryptocurrency exchange service provider used for automated cryptocurrency purchasing when users add funds via wire transfer or credit card. Orders are routed to Kraken where coins are purchased on behalf of Fintrust users.
• SO-FITcoreOthersSelf-regulatory organization authorized by FINMA (Swiss Financial Market Supervisory Authority) to supervise financial intermediaries under the Swiss Federal Anti-Money Laundering Act. Member No.: 1291.
• Bank Frick & Co. AGcoreTechnology or IntegrationLiechtenstein-based banking partner (Landstrasse 14, 9496 Balzers, Liechtenstein) that operates transit accounts for fiat currencies used to purchase cryptocurrencies. Fintrust AG never has control over client assets held here.
• UAB CreditcocoreTechnology or IntegrationLithuanian representative of Wirecard Card Solutions Limited. Handles debit card approval process when users apply for cards through the Fintrust platform. Processes and stores data in ISO 27001-certified datacenters.
• GlobalPasscoreTechnology or IntegrationThird-party AML/KYC verification tool that analyzes ID documents and related documents to assist Fintrust in satisfying KYC obligations. Processes and stores data in ISO 27001-certified datacenters worldwide.
• MastercardcoreTechnology or IntegrationPayment network partner enabling worldwide debit card acceptance. Fintrust debit cards (physical and virtual) are accepted anywhere Mastercard is accepted globally.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Regional players

• SwissBorg: Swiss-regulated crypto wealth management app offering multi-currency exposure and a utility token (BORG). Comparable on Swiss regulatory positioning, crypto-native audience, and a token-based rewards layer analogous to the planned FIN Token.
• Bitcoin Suisse: Swiss-regulated crypto banking and brokerage serving both retail and institutional clients with staking, custody, and tokenization. Comparable as a Swiss-regulated crypto-fiat platform, though more institutional-skewed than Fintrust's consumer-led GTM.
• Amdax: Amsterdam-based crypto exchange and custodian with regulated European footprint under MiCA. Comparable as a regulated European crypto platform serving both retail and professional users with multi-currency execution.

Broad incumbents

• Crypto.com: Large incumbent in the crypto-card-and-wallet category, with Mastercard-branded debit cards, multi-currency wallet, and a proprietary token (CRO). A broader incumbent analogue of Fintrust's fiat-plus-crypto + token roadmap (FIN Token).
• N26: European licensed neobank offering multi-currency accounts, SEPA transfers, and Mastercard debit cards. Comparable as a broader incumbent for the personal/business banking surface area; Fintrust competes for the same EU-restricted SMB and consumer segments.

Direct peers

• Revolut: Global multi-currency neobank offering IBAN accounts, SEPA/SWIFT transfers, Mastercard debit cards, and in-app crypto trading. Closest comparable: same consumer-and-business model, same fiat-plus-crypto convergence, similar mobile-first PLG funnel — but at materially larger scale.
• Wise (TransferWise): Multi-currency account provider with IBANs, SEPA/SWIFT, and a Mastercard debit card. Directly comparable on the cross-border payments and multi-currency wallet product surface that anchors Fintrust's offering.
• Bitpanda: European (Vienna-based) regulated platform combining investing, crypto trading, and fiat payment flows including debit cards. Comparable because it merges a regulated European footprint with crypto execution and a payments layer.
• Wirex: Crypto-linked debit card and multi-currency wallet with Mastercard acceptance and in-app crypto trading. Closely matches Fintrust's crypto-plus-card-plus-multi-currency combination at a similar consumer-and-SMB scale.
• Nexo: Crypto-native platform offering a Mastercard debit card, fiat on/off-ramps, and an internal transfer/exchange product. Direct comparable for the crypto-linked card and wallet bundle Fintrust sells to crypto users.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/FinTrustAG
• Facebookfacebook.com/fintrustofficial
• LinkedInlinkedin.com/company/fintrustofficial
• Instagraminstagram.com/fintrustofficial

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 FINTRUST INNOVATIONS LTD