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Firma is a financial technology company, not a bank.
Every franc, euro and dollar sits in cash at regulated banks.
SIC · SEPA · SWIFT · ACH · Fedwire
Payroll. Treasury. Payments.
$ curl -X POST api.firma.cash/v1/payroll \ --json '{ "employees": 500, "currencies": ["CHF", "EUR", "USD"], "rails": ["SIC", "SEPA", "ACH"] }' 200 settled 500 / 500 CHF SIC 1'840'000.00 EUR SEPA 720'000.00 USD ACH 280'000.00
Nights, weekends, holidays.
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Nordstern Partners AG
Fr 42'000.00
Invoice 2026-014
Q1 KYC
Fr 42'000.00
Invoice 2026-041
Q2 KYC
€ 18'500.00
Invoice 2026-047
Entity 14
Fr 86'000.00
Invoice 2026-062
AML, 12 entities
Firma is not a bank. Regulated banking services are provided through banking partners.
Firma is not licensed or supervised by FINMA. Balances on Firma are digital stablecoin tokens, not bank deposits, and are not covered by the Swiss depositor protection scheme (esisuisse).
Firma Operations AG is a Swiss-regulated financial intermediary and VQF SRO member, subject to the Swiss Anti-Money Laundering Act (AMLA). Firma Holdings Inc is a licensed MSB that issues Firma stablecoins — franc, euro, and dollar balances are held as these digital assets.