The Swiss account in your pocket — without becoming a bank customer. Your own personal CHF, EUR, and USD account numbers. Every rail on: ACH, Fedwire, SEPA, SIC, SWIFT, and the blockchain for crypto and stablecoins. No branch. No appointment. No “1–3 business days.” It just works. 24/7/365. Perfect for new residents to Switzerland, international students and crypto natives.

Money you have, and still can’t use — that’s what Firma is for. Pick a username: you’re live in ten seconds, and you can get paid. A KYC that takes three minutes or less unlocks the rest.

— 10 Seconds In. 3 Minutes to Full Rails —
 No opening interviews. No letter in the post. Get paid on your username immediately. Then unlock regulated rails and use it as your everyday account: rent, payouts, life.

— Always On. Never Pending — 
Sends to anyone on Firma are free and instant — in Switzerland or across borders. Split bills. Pay someone out. Sunday, midnight, a holiday — instantly delivered. No bank holds. No reviews. No calling to ask where it is. Pay your friends and family in any currency, instantly, in DMs, WhatsApp, TG, Snap, SMS, even if they don’t have a Firma account.

— Your Accounts. Every Rail — 
Your own CHF, EUR, and USD account numbers. Move money between Firma users or over ACH, Fedwire, SEPA, SIC, and SWIFT. Top up 1:1 from a bank, card, crypto or stablecoins. Pay rent, tuition, expenses with Swiss QR-bills. Send bank transfers or withdraw crypto in seconds, integrated natively in our app.

— One Balance. Great FX. Daily Rewards — 
Hold francs, euro, and dollars side by side. Exchange at great rates, not 3% hiding in a bank quote. Your account earns daily rewards, paid straight in, still yours to spend. Never lent out. Never locked up.

— Swiss Life, From the Balance — 
Scan a QR-bill — rent, insurance, taxes. Push to the card you already have and keep the perks. Firma debit cards and Twint payouts coming soon. Money for everyday life.

— Built Like a Swiss Vault — 
Swiss-regulated, licensed, and only you can move the money. Passkeys, Face ID, and your recovery phrase. Every franc, euro, and dollar backed 1:1 in cash at regulated banks. No surprise freezes. You hold full custody over your assets.

— Regulated Financial App built in Switzerland — 
Operated in Zug, Firma services the Swiss Market. Firma is a licensed Swiss SRO member (VQF, under FINMA) and registered MSB abroad. Firma is regulated financial services provider, not a bank.