InCore Bank AG

InCore Bank AG is a Swiss business-to-business transaction bank based in Zurich and supervised by FINMA as a bank and securities firm. Established in 2007, it focuses on outsourcing and processing services for institutional clients such as private banks, securities firms, asset managers, family offices, and fintechs. Its offering covers securities execution and settlement across multiple markets, global custody and safekeeping, corporate actions, foreign exchange and money-market execution and settlement, cash management, reconciliation, CHF/EUR and cross-border payment processing via Swiss and international networks, regulatory and tax reporting, compliance support, and banking back-office and IT outsourcing with white-label and API-based integration options. Since 2020, following regulatory clearance, it also provides digital-asset services including brokerage, custody, and settlement for selected cryptocurrencies and tokenized assets, integrated into standard workflows and subject to client onboarding and jurisdictional constraints. The bank operates without a retail franchise or branch network; access is via institutional relationships defined by contracts and service-level agreements, and pricing is negotiated based on scope, volumes, integration effort, and risk profile. As a Swiss bank it is subject to capital, liquidity, audit, outsourcing, and depositor-protection requirements, though clients typically use it primarily for transactional processing and custody rather than deposit-taking. The model suits counterparties seeking to externalize back-office processes, consolidate custody and trading, or add regulated digital-asset capabilities without building in-house infrastructure; it is not positioned for consumer banking, everyday payments for individuals, or conventional lending products.