Your Accounts as a Service. Enabled.

Streamline client money segregation under a robust FINMA-regulated framework.

Our Accounts as a Service is the API-first infrastructure that allows you to provision and manage segregated Swiss IBAN accounts directly within your application. Use it to manage corporate capital for incorporation and increases, or ensure compliant client money segregation for digital platforms (e.g. wealthtechs or crowdfunding) and closed loop systems (e.g. parking, mobility or loyalty plans). Eliminate legacy banking friction.

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Modern business demands fluidity, yet managing client money and corporate capital remains anchored in manual, fragmented banking processes. Whether you are running a high-growth platform or handling corporate finance, relying on legacy infrastructure introduces critical operational friction.

Fragmented Workflows

Pain point: Forcing users to leave your platform to open or use their accounts breaks the user journey and dampens conversion rates

Our solution: Fully embedded Swiss IBAN accounts provisioned directly within your application via API

Opaque Verification

Pain Point: Manual confirmation of capital deposits or client fund flows creates unnecessary delays between platforms, banks, and stakeholders

Our solution: Real-time, automated proof of capital and instant ledger updates — no manual reconciliation

Compliance Overhead

Pain point: Navigating complex Swiss AML and KYC requirements via disjointed systems consumes valuable operational bandwidth and increases regulatory risk.

Our solution: 100% compliant framework out of the box, leveraging YAPEAL's FINMA-regulated license and digital KYC

Your solution: Programmable Infrastructure for Client Funds & Corporate Finance

Transform financial logistics from a hurdle into a seamless, automated background process. YAPEAL’s Accounts as a Service is the API-first infrastructure that allows you to provision and manage segregated Swiss IBAN accounts directly within your application—all operating under a robust, FINMA-regulated framework.

Eliminate legacy banking friction and keep your users exactly where they belong: inside your product.

Engineered for Scale. Designed for Precision.

For Digital Platforms & Wealthtechs: Ensure compliant client money segregation for fintechs, crowdfunding portals, and closed-loop applications (e.g., parking, mobility, or loyalty plans). Retain absolute control over your user experience from day one.

For Law & Fiduciary Firms: Achieve operational alpha. Programmatically manage corporate capital for client incorporations and capital increases, tracking incoming funds via a single dashboard.

For Corporate Enterprises: Execute capital restructuring and complex fund routing with unprecedented speed, traceability, and transparency.

Selected use cases of Accounts as a Service

Embedded Segregated IBANs

Instantly provision secure, individual Swiss IBAN accounts for capital deposits or client money segregation via our modern API.

Automated Financial Workflows

Generate secure, legally binding proof of capital for notaries in real-time, or automate immediate ledger updates for segregated client accounts without manual reconciliation.

Uncompromising Compliance

Leverage YAPEAL’s robust regulatory license. We handle the complexities of Swiss AML and digital KYC, ensuring a 100% compliant framework without the administrative burden on your team.

Customer Success Story

Case study in seamless integration: How Hoop redefined company formation

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The Challenge:

Hoop set out to engineer Switzerland's most intuitive, fully paperless company formation platform. However, the final step - blocking the initial share capital - traditionally required founders to interact with financial institutions offline.

The Solution:

By embedding YAPEAL's Accounts as a Service architecture, Hoop closed the digital loop.

The Impact:

Today, Hoop users verify their identity and open their mandated Capital Deposit Account natively within the Hoop interface in minutes. YAPEAL automatically secures the funds and issues the verification, allowing the notary process to commence without a single day lost to delays.

Our goal was to design financial and payment processes as an integral part of our digital value chain, not as an isolated banking task. This end-to-end digital approach is still unique in Switzerland.

Marino Fasoli

Head of Business Development at Hoop

Core Service Modules

Accounts

Cards

Payments

Identification / KYC

Monitoring & reporting

Accounts as a Service

Your Accounts as a Service. Enabled.

Learn more about our Accounts as a Service solution

Peace of mind with our Swiss regulatory framework and highest security standards

FINMA Regulated

YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.

Swiss Made

We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.

SNB Account

YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank. Disclaimer: Deposit protection according to Art. 7a BankV is not guaranteed.

Success Stories