MiCA-regulated European wealth app with crypto earn yields up to 15% and multi-exchange routing
SwissBorg is a European crypto wealth management and exchange aggregator app that provides spot trading, curated thematic bundles, and risk-stratified yield products. Based in Lausanne, the platform connects to multiple centralized and decentralized exchanges through a Smart Engine to source competitive pricing. It held over $1.29B in user assets as of October 2026.
SwissBorg was founded in 2017 by Chief Executive Officer Cyrus Fazel and Chief Strategy Officer Anthony Lesoismier, both with professional backgrounds in finance and technology. The operating company is SBorg SA, headquartered in Lausanne, Switzerland, with more than 200 employees. The project raised $52 million through an initial coin offering in December 2017, followed by a Series A community round in March 2023 that secured CHF 21.27 million from 16,660 app users.
SwissBorg is a custodial platform that secures assets using keyless Multi-Party Computation (MPC) technology rather than traditional private keys. Onboarding requires identity verification (KYC) linked to a user's mobile number. SwissBorg Earn offers yields of up to 15% annually on supported digital assets through automated DeFi and staking strategies. Users can configure Dollar-Cost Averaging schedules through Auto-Invest or diversify through thematic Crypto Bundles. Accounts can be funded in 12 fiat currencies through bank transfers or payment cards.
Standard exchange fees range from 0.25% to 1.49%, based on the user's Loyalty Rank and staked volume of the native BORG token. Fiat deposits via standard bank transfer are free, while card deposits incur processing charges. Fiat withdrawals carry a 0.10% fee. Crypto withdrawals incur a 0.10% platform fee alongside real-time blockchain network fees. The mobile application is available on iOS and Android across 47 countries, but it excludes residents of the United States.
SwissBorg is registered as a Digital Asset Service Provider (PSAN) in France and holds an Estonian virtual currency license. In March 2026, it obtained MiCA regulatory authorization from the French Autorite des marches financiers (AMF). The platform surpassed 921,000 verified users in October 2026 and publishes regular Proof of Liabilities reports. In September 2025, an external DeFi staking partner, Kiln, suffered a credential leak that allowed an attacker to unstake and steal over 192,000 SOL from a SwissBorg Earn strategy wallet. SwissBorg's core systems remained uncompromised.
Depositing funds into SwissBorg Earn involves counterparty and third-party protocol risks because yield is generated through external staking partners and decentralized finance protocols rather than balance-sheet loans. Assets held in earn strategies remain subject to liquidity constraints, market volatility, and protocol smart-contract exploits.
Professional background in finance and asset management.
Professional background in quantitative finance and financial market advisory.
SwissBorg combines MiCA-regulated European compliance with yield and smart exchange aggregation, but custodial exposure and third-party DeFi partner risks remain key trade-offs.
Founded in Lausanne in 2017 by Cyrus Fazel and Anthony Lesoismier, SwissBorg operates a mobile-first wealth and exchange aggregator serving over 921,000 verified users across 47 countries. Its earn offering, SwissBorg Earn, advertises yields of up to 15% annually on select crypto assets through risk-categorized strategies that include decentralized staking and lending protocols.
SwissBorg maintains a European regulatory profile and institutional custody design. Operating under full MiCA authorization from the French AMF alongside registrations in Estonia, SwissBorg safeguards customer deposits using Multi-Party Computation (MPC) technology rather than single private keys. It also publishes monthly Proof of Liabilities reports, giving users verifiable visibility into whether their account balances match platform obligations. Exchange routing across centralized and decentralized books through its Smart Engine provides liquid access to tens of thousands of trading pairs directly in fiat or crypto.
In September 2025, an external DeFi wallet powering SwissBorg's SOL Earn strategy was exploited through a compromised credential at staking partner Kiln, resulting in the theft of over 192,000 SOL. While SwissBorg core systems remained unbreached, the event demonstrated how third-party infrastructure integrations introduce real exposure for earn depositors. Furthermore, exchange fees scale with user loyalty tiers, ranging from 1.49% for standard accounts down to 0.25% for high-balance BORG holders, and withdrawals incur both network gas and a 0.10% fee.
SwissBorg suits European retail and corporate investors seeking an easy-to-use, compliant mobile environment for automated investing, crypto card spending, and curated yield. Those who insist on self-custodial DeFi staking or users based in the United States must look elsewhere.
| KYC required ⓘ | Yes · unverified |
|---|---|
| Products | Savings / earn |
| Highest advertised APY ⓘ | 15% · unverified |
| Supported assets | 400 · unverified |
| Available in | Europe (EEA), Canada, Latin America, Asia-Pacific, Africa · unverified |
| Proof of reserves | Yes · unverified |
| Licenses & registrations | MiCA |
| Flexible (withdraw any time) | Yes · unverified |
Not disclosed by the provider: Max loan-to-value, Loan APR from, Insurance, Fixed terms, Auto-compounding.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Generates automated yields up to 15% annually across supported cryptocurrencies using risk-scored DeFi and staking strategies.
Routes trades through 12 centralized and decentralized exchanges to identify optimal execution prices across more than 10,000 pairs.
Protects account balances using Multi-Party Computation keyless infrastructure alongside optional user-configured withdrawal delays up to 180 days.
Offers pre-selected baskets of digital assets aligned with market trends for one-tap portfolio diversification.
Enables automated Dollar-Cost Averaging into selected cryptocurrencies and bundles at recurring intervals.
Publishes cryptographic solvency reports that allow verified users to confirm their asset balances against total platform liabilities.
The core mobile application uses a Smart Engine to route trades across 12 centralized and decentralized exchanges for optimal execution across thousands of trading pairs.
A yield-generating product providing payouts of up to 15% annually by deploying assets across selected staking and DeFi strategies.
Curated thematic baskets that enable one-tap diversification across multiple market sectors and trends.
A Mastercard payment card offering instant crypto conversion for global payments alongside BORG cashback rewards.
An automated dollar-cost averaging tool that executes scheduled recurring investments without exchange fees on select baskets.
An investment launchpad granting qualified users and BORG holders priority access to private token pre-sales.
A dedicated digital asset management service offering treasury solutions and dedicated relationship management for businesses under the MiCA framework.
User feedback is currently unavailable because no input data was provided. As a result, no specific strengths, issues, or user experiences can be identified.
Based on 180 Reddit posts and comments from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Cyrus Fazel and Anthony Lesoismier founded SwissBorg in Lausanne, Switzerland, in 2017.
Exchange fees range between 0.25% and 1.49% depending on your BORG loyalty rank. Fiat withdrawals carry a 0.10% fee, while crypto withdrawals cost 0.10% plus network gas fees.
No, SwissBorg is not available in the United States. It operates in 47 countries across Europe, Canada, and parts of Asia, Africa, and Latin America.
In September 2025, an external DeFi wallet managing SwissBorg's SOL Earn strategy lost over 192,000 SOL due to a compromised GitHub credential at staking partner Kiln. SwissBorg core systems were not breached.
Yes, SwissBorg issues the BORG token. Locking BORG boosts Earn yields, unlocks lower trading fees, and grants access to early-stage Alpha deals.
SwissBorg Earn routes funds through risk-categorized strategies, including on-chain staking and decentralized finance protocols, yielding up to 15% annually.
Recent public posts from @swissborg, shown as published. Not reviewed or endorsed by CryptoReview.
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