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Business accounts, global payments, digital assets, expenses — one platform.
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Firma app preview

Your Money, One Home

One balance for accounts, payments, and stablecoins.

Switch in days, not monthsGet Demo
Get Paid
Receive by bank, card, or stablecoins.
Pay Anyone
Swiss QR, SIC, SEPA, SWIFT, ACH, FedNow, Stablecoins
Dedicated Accounts
Global currencies for your business
Expense Management
Categorize expenses, sync with your books
Statements
Reconcile accounts monthly
Payroll for Clara and AHV / AVS
Run Payroll
Monthly salary, AHV/AVS, Second Pillar accounts for your employees.
Early access for enterprise

Agents, on the job

Forward a bill or snap a photo. Then just approve.

From your inbox or a text. Read, categorized, and held until you say yes.

Invoices come in
Email a QR-bill or text a photo. Categorized for you.
You approve
One click and the payment goes out.
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Coming End Q4

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Swiss accounting
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Swiss accounting
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Swiss accounting
Klara
Swiss accounting
Excel
Spreadsheets
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Google Sheets
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Xero
Xero
Accounting
Sage
Sage
Accounting

Connect tools you already use

Books, inbox, and agents. Same home as the money.
5 stars

Why Businesses Love Firma

Brokerage · Zürich
Client money in CHF, EUR, and USD, each in its own account. Statements reconcile to the cent. Our auditors stopped asking.
Neobank
Our CHF rails run on Firma. SIC in, SIC out, settled the same day. Our customers see a Swiss IBAN, not a workaround.
Remittance · Geneva
Payouts to 14 corridors from one balance. SEPA in the morning, SWIFT after lunch, the fee shown before we send.
Payment platform
Merchant settlement in CHF and EUR from the same account. We used to keep two banks for that.
Compliance consultancy · Zug
We advise on KYB for a living. Ours took a day. When a client's regulator asks, the files are one download.
Digital asset exchange
Fiat on-ramp for Swiss clients. CHF arrives by SIC, stablecoins go out the same afternoon, and both sit on one ledger.
Marketplace
Three thousand seller payouts a month. The API opens them, the limit holds them, a human approves the odd one.
OTC desk · Lugano
USDC in, CHF out, Fedwire for the US side. Treasury is one screen now instead of a wallet and two banks.
Software company, 12 people
We invoice in euros now. Plus was the first time the EUR account and the CHF account lived in the same place.
Crypto startup
Crypto in, then a QR bill out. I do not want a separate wallet and a separate bank for that.
Brokerage · Zürich
Client money in CHF, EUR, and USD, each in its own account. Statements reconcile to the cent. Our auditors stopped asking.
Neobank
Our CHF rails run on Firma. SIC in, SIC out, settled the same day. Our customers see a Swiss IBAN, not a workaround.
Remittance · Geneva
Payouts to 14 corridors from one balance. SEPA in the morning, SWIFT after lunch, the fee shown before we send.
Payment platform
Merchant settlement in CHF and EUR from the same account. We used to keep two banks for that.
Compliance consultancy · Zug
We advise on KYB for a living. Ours took a day. When a client's regulator asks, the files are one download.
Digital asset exchange
Fiat on-ramp for Swiss clients. CHF arrives by SIC, stablecoins go out the same afternoon, and both sit on one ledger.
Marketplace
Three thousand seller payouts a month. The API opens them, the limit holds them, a human approves the odd one.
OTC desk · Lugano
USDC in, CHF out, Fedwire for the US side. Treasury is one screen now instead of a wallet and two banks.
Software company, 12 people
We invoice in euros now. Plus was the first time the EUR account and the CHF account lived in the same place.
Crypto startup
Crypto in, then a QR bill out. I do not want a separate wallet and a separate bank for that.
Asset manager
Monthly statements that file cleanly. Proof of account for a new custodian took one download, not a letter.
Trading firm
Fedwire used to be a ticket to the bank. Here it is a payment, with the fee shown before we send it.
Design studio · Geneva
A client in Lisbon paid us in USDC on a Sunday. It was in the account before Monday.
Fintech
The API is the reason we are on Platform. We open payments from our own system, inside a daily limit we set.
Payout provider
The agent released four thousand payouts and held the twelve that failed screening. I reviewed those in the morning.
SaaS · Chur
USD by ACH, CHF by SIC. No volume fee on either. The monthly price is the price.
Digital asset custodian · Zug
Fiat legs for custody clients. A CHF IBAN on our side, stablecoin settlement on theirs, and the account did not take a quarter.
Remittance app
We settle the corridor in the evening and pay the agents in the morning. Same account, same login, no spreadsheet in between.
Consulting GmbH
SIC in, SIC out, and the statement is just there at the end of the month. Our trustee stopped asking for exports.
E-commerce · Zürich
We sell in Zurich and ship to Germany. CHF, EUR, and the card payments finally sit on one screen.
Asset manager
Monthly statements that file cleanly. Proof of account for a new custodian took one download, not a letter.
Trading firm
Fedwire used to be a ticket to the bank. Here it is a payment, with the fee shown before we send it.
Design studio · Geneva
A client in Lisbon paid us in USDC on a Sunday. It was in the account before Monday.
Fintech
The API is the reason we are on Platform. We open payments from our own system, inside a daily limit we set.
Payout provider
The agent released four thousand payouts and held the twelve that failed screening. I reviewed those in the morning.
SaaS · Chur
USD by ACH, CHF by SIC. No volume fee on either. The monthly price is the price.
Digital asset custodian · Zug
Fiat legs for custody clients. A CHF IBAN on our side, stablecoin settlement on theirs, and the account did not take a quarter.
Remittance app
We settle the corridor in the evening and pay the agents in the morning. Same account, same login, no spreadsheet in between.
Consulting GmbH
SIC in, SIC out, and the statement is just there at the end of the month. Our trustee stopped asking for exports.
E-commerce · Zürich
We sell in Zurich and ship to Germany. CHF, EUR, and the card payments finally sit on one screen.

Your Questions, Answered

Opening, paying, and getting paid.
Product
Support
Payments
Is Firma a bank?

No. Firma is a regulated financial technology company and not a bank. Regulated banking services are provided through banking partners. Balances on Firma accounts are digital stablecoin tokens, not bank deposits, and are not covered by the Swiss depositor protection scheme (esisuisse).

How fast can we go live?

Verify, then subscribe, then start. Verification takes about two days once we have the company. Then you subscribe, and the account opens. If we cannot verify the company, there is nothing to pay.

Who can open an account?

A company, in the company's name. A public corporation, a partnership, an LLC, an AG, a GmbH, or an entity like them. No sole proprietorships.

What accounts do we get?

USD, EUR, CHF, GBP, CAD, MXN, BRL in your name. More coming soon.

Can software or an agent pay from the account?

On Platform. You connect agents you already run. Each one gets a space, and you own it, with a higher API limit. Enterprise is for flow above $2 million a month.

How do we reach you?

In the app, on any plan. Platform adds 1:1 support.

What do you need to open the account?

The company, as registered. We verify it first. Then you subscribe, and you can start.

Where are the API docs?

On Platform. Your keys live in the app, and you set a daily limit. Docs come with the account.

Is support a separate plan?

No. Support is in the app on every plan. Platform adds 1:1 premium support.

Can we cancel?

Plus and Platform are monthly. Cancel before the next charge and it stops. Enterprise is agreed before you start.

Do you take a cut of what we move?

No cut on the way in. Out is 25 bps on Plus and 20 bps on Platform. Enterprise is custom. Plus is Fr. 499 a month. Platform is Fr. 1'000. Enterprise is on request, above $2 million a month.

What does sending money cost?

Money in is free. Plus is 25 bps out. Platform is 20 bps out. Enterprise is custom. The fee is shown before we send.

Which rails can we use?

Plus includes SIC, Swiss QR, SEPA, ACH, Fedwire, SWIFT, and FedNow. Platform includes everything in Plus. Enterprise uses the same rails, above $2 million a month.

Can customers pay us?

Yes. They pay your account numbers, by bank, card, or stablecoin. You pay tax and suppliers from the same place.

Can we take crypto?

Yes, on Plus. Crypto and stablecoins sit with CHF, EUR, and USD, on one ledger. Platform includes everything in Plus.

Are there limits?

No. No cap on a payment, and no cap on the month. No minimum balance. On the API, any daily limit is one you set.

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The Swiss account for your business.
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