Switzerland continues to solidify its position as a global fintech leader with the launch of Yuh, a new mobile investment application backed by PostFinance—the financial arm of Swiss Post—and powered by Swissquote, one of Europe’s most established online banking platforms. Designed to simplify personal finance, Yuh enables users to save, spend, and invest in both traditional and digital assets seamlessly from a single interface.
The app officially launched during a virtual event and offers access to over 100 top global stocks—including Apple, Nike, and Tesla—alongside ETFs, thematic investment portfolios, and 13 major cryptocurrencies. This integration of crypto and conventional finance highlights Switzerland's progressive regulatory environment and growing appetite for accessible digital asset solutions.
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A Unified Financial Experience
Yuh is built on the principle of financial empowerment: giving users full control over their money anytime, anywhere. Markus Schwab, CEO of Yuh, emphasized this vision during the launch:
“We want to make people’s lives as easy as possible. With Yuh, we’re putting the entire financial world into their hands. Everyone should be free to decide when, where, and how they manage their finances.”
By combining banking, payments, and investment features in one app, Yuh removes the complexity often associated with managing diverse asset classes. The platform supports everyday transactions like peer-to-peer (P2P) transfers and card payments while enabling long-term wealth building through automated investing and portfolio diversification.
Secure, Transparent, and Low-Cost Investing
One of Yuh’s core promises is low-to-no fees, ensuring affordability without sacrificing service quality. The platform charges:
- 0.5% fee for stock trades
- 1% fee for cryptocurrency transactions
- No custody fees for either asset class
- No account maintenance or P2P transfer fees
Currency conversion costs are also competitive—under 1% for major currency pairs—making international investing more accessible. While ETFs and thematic investment products may carry additional management fees, Yuh maintains full transparency across all charges.
Security remains a top priority. All financial services are provided through Swissquote, a licensed Swiss bank with over 25 years of experience in digital finance. User funds are held at Swissquote Bank Ltd., regulated under strict Swiss banking laws and protected up to CHF 100,000 per client under statutory deposit protection.
Swissqoin (SWQ): A Unique Rewards Ecosystem
Yuh introduces its own utility token called Swissqoin (SWQ)—an ERC-20 token fully backed by Swiss franc reserves. Unlike speculative cryptocurrencies, SWQ functions as a loyalty and rewards mechanism within the Yuh ecosystem.
Users can earn SWQ tokens through various actions:
- Deposit CHF 500 → Earn 500 SWQ
- Refer a friend → Both parties receive 500 SWQ
- Each trade → 10 SWQ earned
- Every Mastercard transaction → 2 SWQ earned
Each SWQ is currently valued at CHF 0.01, with the price recalculated monthly based on the size of the reserve fund and total token supply. At launch, 20 billion SWQ were backed by CHF 2 million in reserves, maintaining a stable valuation. Notably, Yuh reinvests 10% of its subscription revenue into the SWQ reserve pool, reinforcing trust and long-term value.
This innovative model blends traditional banking incentives with blockchain-native reward systems, creating a compelling reason for users to engage regularly with the app.
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PostFinance: Reinventing a Legacy Institution
PostFinance, though rooted in over a century of banking history, has faced declining customer numbers and profits in recent years. In 2020 alone, its customer base dropped from 2.74 million to 2.69 million, with net profit falling from CHF 246 million to CHF 131 million.
In response, the institution has embraced digital transformation through strategic partnerships like Yuh. Rather than competing directly with neobanks, PostFinance leverages its trusted brand and infrastructure while relying on Swissquote’s agile fintech expertise to deliver next-generation services.
This collaboration reflects a broader trend among traditional financial institutions: adapting to digital-first consumer expectations by integrating crypto, automation, and user-centric design into their offerings.
Swissquote: Where Digital Banking Is in the DNA
Swissquote isn’t just another fintech player—it’s a regulated bank with deep roots in online trading and digital asset innovation. With more than 25 years of experience, Swissquote has consistently pushed the boundaries of what digital banking can achieve.
As stated on its official website:
“Digital banking is part of our DNA. We will continue to be curious, creative, and forward-thinking.”
The partnership with PostFinance to power Yuh aligns perfectly with that ethos. By providing the technological backbone and regulatory compliance framework, Swissquote ensures that millions of users can access crypto investing safely and efficiently.
Why This Matters for the Future of Finance
The launch of Yuh represents more than just another investment app—it signals a pivotal shift in how mainstream financial institutions are embracing cryptocurrency. With government-linked entities like PostFinance entering the space, crypto adoption gains legitimacy and trust among conservative investors.
Moreover, Yuh’s hybrid model—offering stocks, ETFs, and crypto in one regulated environment—caters to both novice investors seeking simplicity and tech-savvy users interested in digital assets.
Core Keywords:
- Crypto investment app
- Swiss cryptocurrency platform
- PostFinance crypto
- Swissquote Bank
- Digital asset investing
- Blockchain banking
- Tokenized rewards
- Mobile finance app
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Frequently Asked Questions (FAQ)
Q: Is Yuh available outside Switzerland?
A: Currently, Yuh is only available to residents of Switzerland. However, international expansion may be considered in the future as the platform grows.
Q: Are my crypto investments protected under Swiss bank law?
A: While your fiat funds are protected up to CHF 100,000 under Swiss deposit insurance, cryptocurrencies are not covered under traditional banking protection schemes. However, assets are stored securely using institutional-grade custody solutions.
Q: Can I withdraw my SWQ tokens to an external wallet?
A: As of now, SWQ tokens are designed for use within the Yuh ecosystem only and cannot be transferred externally.
Q: What cryptocurrencies does Yuh support?
A: Yuh provides access to 13 major cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and other leading digital assets—exact listings may vary based on regulatory approvals.
Q: How is SWQ different from other crypto tokens?
A: SWQ is not a speculative asset. It’s a utility token pegged to the Swiss franc and backed by real reserves, functioning primarily as a rewards mechanism within the app.
Q: Do I need prior investing experience to use Yuh?
A: No. Yuh is designed for all experience levels, featuring intuitive navigation, automated investing tools, and educational resources to guide new users.