Today marks a major milestone for YAPEAL — our 7th anniversary. What began as a bold vision shared by a small group of forward-thinkers has grown into a leading Swiss FinTech innovator in the Embedded Finance sector. Over the past few months, YAPEAL has undergone significant transformation — evolving in both scale and strategy. As we celebrate this anniversary, it’s the perfect moment to reflect on how far we’ve come and where we’re headed next.
The Story of YAPEAL
YAPEAL was founded in June 2018 by a group of friends — affectionately known as the “Ten Musketeers” — each with deep expertise in banking, finance, and technology. Frustrated by outdated systems and hidden fees, they set out to build something new: a fast, transparent, and digital-first banking experience.
The result was YAPEAL — a fully digital B2C platform that empowers users to manage their money effortlessly through a sleek mobile app, marking a fresh chapter in Swiss personal finance. By 2020, thousands had joined the Yapster community, drawn by features like real-time notifications, transparent fees, and seamless onboarding.
But the needs of Swiss entrepreneurs, freelancers, and SMEs soon called for more. In 2022, YAPEAL took its next big leap with the launch of YAPEAL Business — a modern, Swiss-made solution designed to simplify financial operations for companies. With the same attention to design, compliance, and user experience, YAPEAL Business introduced intuitive payments, multi-user access, integrated cards, and automation — bringing next-generation financial solutions to the heart of SME operations.
YAPEAL was the first to obtain the FINMA FinTech licence in Switzerland — a milestone that marked the beginning of a new era. Today, we continue to revolutionize how businesses interact with financial systems.
Where YAPEAL stands today
In just seven years, YAPEAL has grown from a bold startup into a trusted provider of Embedded Finance solutions.
We’ve built a strong customer base, with:
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850+ corporate clients using our instant business solutions — including accounts, cards, and payments.
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25+ Swiss businesses embedding our financial solutions directly into their value chains and customer journeys — driving better customer experiences, service innovation, and sustainable growth.
With 100% uptime since launch and a growing team of 50+ employees, YAPEAL is not just meeting expectations — we’re establishing ourselves as a core infrastructure provider for the future of digital finance in Switzerland.
YAPEAL’s Vision: Looking Ahead
Together with our business clients, we design and embed easy-to-use financial solutions into our clients’ value chains.
Our highly skilled team and cutting-edge technology platform with real-time processing enable seamless integration of ready-to-go or tailored scalable financial solutions wherever they are needed.
With our solutions, businesses unlock potential for growth, efficiency, and customer satisfaction.
We believe finance should be immediate, seamless, and available where customers need it most. At YAPEAL, we’re providing businesses with the infrastructure for their own financial products, to enable their efficiency, customer engagement and growth.
Michael Eidel
CEO of YAPEAL
This approach not only benefits our partners and their customers but also creates added value for our private customers, our Yapsters and Yapinis, through greater access, speed, and usability.
By empowering businesses with digital, instant, and customizable features, YAPEAL enables smarter, faster, and more personalized financial experiences — delivered exactly where they’re needed most.
As YAPEAL marks its seventh anniversary, we remain focused on delivering innovative and reliable financial solutions. Building on our solid foundation, we continue to develop products that meet the evolving needs of our customers and partners. Looking ahead, YAPEAL is committed to advancing embedded finance and providing seamless digital experiences that drive growth and efficiency.
The Author
Charline Dulac
Growth Marketing Manager at YAPEAL