Sygnum Bank AG

Sygnum Bank AG is a Switzerland-based bank focused on digital assets and related services, headquartered in Zurich and supervised by the Swiss Financial Market Supervisory Authority (FINMA) under a banking and securities firm license granted in 2019; it also operates through an affiliated entity in Singapore that is regulated by the Monetary Authority of Singapore (MAS) for selected capital markets and digital payment token activities. The bank offers fiat accounts and payments (e.g., CHF/EUR/USD/SGD via standard rails such as SIC, SEPA and SWIFT), digital asset custody and brokerage, staking for selected proof‑of‑stake networks, tokenization and primary issuance services, and discretionary and advisory solutions for professional investors; it also provides secured lending against eligible crypto collateral to qualified clients. Services are available to private, corporate and institutional clients subject to full KYC/AML checks and cross‑border restrictions, and certain jurisdictions and client types may be excluded. Fiat deposits held at the Swiss bank are covered by the Swiss depositor protection scheme up to the statutory limit per client, while digital assets in custody are not deposits and are not protected by depositor insurance; they are typically held off‑balance sheet in segregated wallets in line with Swiss requirements for the safekeeping of client assets, noting that insolvency treatment differs from that of deposits. Access is provided through e‑banking and APIs, with digital asset markets available on a 24/7 basis and fiat settlement confined to banking hours. Fees are set out in published schedules and generally include account and maintenance charges, custody fees based on assets under custody, trading commissions or spreads, network withdrawal fees, staking commissions, and lending interest or facility fees, with pricing varying by client segment, product and volumes. As a Swiss bank, Sygnum is subject to capital adequacy, liquidity, conduct and risk‑management rules and publishes audited financial statements and regulatory disclosures; supported assets, product features and geographic availability are updated periodically and depend on regulatory approvals.