INVESTIGACIÓN DOCUMENTAL
AMINA Bank reseña
Swiss FINMA-licensed crypto bank — institutional + HNW
The verdict
5.6 / 10 · SKIP
AMINA Bank (formerly SEBA Bank, rebranded 2024) is one of only two crypto-native operators with a full Swiss FINMA banking licence. Institutional and HNW-only — no retail. Custody + trading + lending + structured products on a Swiss-bank balance sheet, with statutory crypto-asset segregation under the 2021 DLT Act. Hong Kong SFC + Abu Dhabi ADGM subsidiaries serve Asia and GCC. Not available to US persons.
◆ BUY IT IF
- Full Swiss FINMA banking licence — among the strongest regulatory frameworks for crypto custody globally
- Statutory customer-asset segregation under the 2021 DLT Act (Banking Act Article 16)
- Multi-jurisdiction footprint (CH + HK + UAE) for institutional cross-border use
- On-balance-sheet custody at a fully regulated bank, not a trust company
◇ SKIP IT IF
- Institutional + HNW only — not accessible to retail users
- High minimum account thresholds; specific minimums not publicly disclosed
- Lengthy KYB/KYC onboarding process
- Narrow coin coverage compared to non-bank exchanges
§ 01 SCORE BREAKDOWN
Ocho ejes, ponderados.
DIMENSION WEIGHT RATING SCORE
Seguridad reglamentaria
Swiss FINMA full banking + securities-dealer licence; Hong Kong SFC Type 1 + 4 + 7 via subsidiary; Abu Dhabi A
Tarjeta y IBAN
IBAN, con soporte para múltiples divisas · tarjetas físicas y virtuales
Rendimiento
Producto sin rendimiento
Selección de monedas
12 monedas admitidas
Experiencia de usuario de la aplicación
Transparencia
Justificante de reservas, documentos públicos, historial de incidentes
Comisiones y diferenciales
Institutional bespoke pricing; specific fee schedule not publicly disclosed — contact for engagement terms
Asistencia
§ 02 THE FIELD TEST
Cómo probamos «AMINA Bank».
Drafted from public sources — FINMA banking licence verified against the regulator's register (entity name: AMINA Bank AG, formerly SEBA Bank AG; banking-licence class). 2024 rebrand from SEBA to AMINA reflected new majority shareholder + capital raise. Hong Kong + ADGM subsidiaries are separately licensed entities under the AMINA Group corporate structure. Not yet field-tested.
DATE STEP TIME NOTES
— Cuenta abierta — KYC completado de principio a fin
— Primer depósito — Not yet field-tested — record drafted from public sources; first-hand testing scheduled for the next review cycle.
— Primer retiro — Not yet field-tested — record drafted from public sources; first-hand testing scheduled for the next review cycle.
— Tarjeta activada — Tarjeta no compatible / no solicitada
— Última comprobación práctica — Drafted from public sources — FINMA banking licence verified against the regulator's register (entity name: AMINA Bank AG, formerly SEBA Bank AG; banking-licence class). 2024 rebrand from SEBA to AMINA reflected new majority shareholder + capital raise. Hong Kong + ADGM subsidiaries are separately licensed entities under the AMINA Group corporate structure. Not yet field-tested.
§ 03 ESPECIFICACIONES
Todo, en una sola tabla.
Reglamento
- Situación normativa
- Swiss FINMA full banking + securities-dealer licence; Hong Kong SFC Type 1 + 4 + 7 via subsidiary; Abu Dhabi ADGM FSP via subsidiary; EU MiCA passporting in application
- FDIC seguro
- No
- MiCA conforme
- No
- Fundada
- 2018
- Sede central
- Switzerland (Zug)
Tarifas
- Cuota mensual de la cuenta
- —
- Comisión por operación
- —
- Comisión por retirada
- custom
Rendimiento y productos
- Obtener rentabilidad
- Institutional structured products with variable yield; specific rates not publicly disclosed
- Max APY
- —
- Staking
- Sí
- Préstamos respaldados por criptomonedas
- Sí
- Monedas admitidas
- 12
Banca
- IBAN
- Sí
- Tarjeta de débito
- No
- DeFi acceso
- No
- NFT apoyo
- No
Regiones
- Regiones disponibles
- EU, Asia, GCC
- Mercados a los que prestamos servicio
- Switzerland, Hong Kong, Abu Dhabi / GCC institutional, EU (institutional, MiCA passporting in progress), Global institutional (ex US + sanctioned)
Asistencia
- Trustpilot
- N/A
§ 04 Preguntas frecuentes
Preguntas frecuentes
¿Es seguro el sitio web AMINA Bank? +
AMINA Bank Su situación normativa es la siguiente: Swiss FINMA full banking + securities-dealer licence; Hong Kong SFC Type 1 + 4 + 7 via subsidiary; Abu Dhabi ADGM FSP via subsidiary; EU MiCA passporting in application. Comprueba siempre la situación normativa actual directamente con la plataforma antes de realizar un depósito.
¿Cuál es el número máximo de «APY» en AMINA Bank? +
AMINA Bank no ofrece un producto tradicional de «yield/APY». Institutional structured products with variable yield; specific rates not publicly disclosed
¿Dónde se puede ver «AMINA Bank»? +
AMINA Bank Está disponible en: EU, Asia, GCC. Mercados a los que presta servicio: Switzerland, Hong Kong, Abu Dhabi / GCC institutional, EU (institutional, MiCA passporting in progress), Global institutional (ex US + sanctioned).
¿AMINA Bank tiene una tarjeta de débito? +
No, actualmente AMINA Bank no ofrece tarjetas de débito.