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alex.tran@golive.com
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Your Questions, Answered

Opening, paying, and getting paid.
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.