Neobank Launch & Licensing
Swiss boutique advisory for clients structuring and launching neobank projects across Switzerland, Europe and selected international markets.
Build the Neobank Around the Right Regulatory Route
A neobank is a business model and operating proposition, not automatically a licence. FintechLex helps clients compare the regulatory, capital, technology and implementation choices before they commit to a structure or provider.
Jurisdiction & Licensing Strategy
Define target markets, products, customer segments and permitted activities, then compare jurisdictions and licensing routes against the real operating model.
Regulated Entity Route
Assess whether acquisition or formation is more suitable, including ownership, governance, capital, management, compliance readiness and regulatory engagement.
Infrastructure & Launch
Coordinate white-label banking or BaaS infrastructure, accounts, cards, payment rails, FX, vendors and implementation dependencies without promising a guaranteed outcome.
Practical Workstreams for a Defensible Launch
The scope depends on the jurisdiction, regulated entity, providers and product set. Our role is to connect the legal, regulatory and commercial workstreams and identify gaps early.
Structure
Business model, target markets, licence perimeter and entity route.
Compliance
AML/KYC, KYB, monitoring, safeguarding and operating policies where applicable.
Rails
Banking, payment, card, FX and settlement relationships with suitable providers.
Implement
Vendor diligence, project sequencing, documentation and launch-readiness coordination.
Provider-Led or Own-Regulated-Entity Launch
White-label banking / BaaS
Use licensed infrastructure for accounts, payments, cards or related services while focusing on brand, distribution and customer acquisition. See our White-Label Banking and Neobank Solutions overview.
Own entity plus infrastructure
Acquire or form a regulated entity, then connect it to specialist providers and operating rails. Compare the route in Banking Licence Acquisition and Formation and, where relevant, Swiss SRO Company Acquisition.
Start With a Structured Neobank Review
Share the target markets, products, ownership, available capital and preferred timetable. FintechLex can help map the principal regulatory, provider and implementation questions for an informed next step.
About FintechLex: FintechLex is a Swiss boutique advisory and legal-regulatory platform. It is not a bank or regulated financial institution and does not itself provide banking, payment or e-money services. Any engagement, provider relationship, authorisation or transaction is subject to scope, due diligence and applicable approvals.