{"id":7527,"date":"2024-11-04T13:57:01","date_gmt":"2024-11-04T13:57:01","guid":{"rendered":"https:\/\/www.clearsky-network.com\/?post_type=payment-institution&#038;p=7527"},"modified":"2024-11-06T14:03:14","modified_gmt":"2024-11-06T14:03:14","slug":"switzerland-fintech-license","status":"publish","type":"payment-institution","link":"https:\/\/www.clearsky-network.com\/es\/payment-institution\/switzerland-fintech-license\/","title":{"rendered":"Licencia Fintech - Suiza"},"content":{"rendered":"<p><strong>Visi\u00f3n general<\/strong><br \/>\nEl marco regulador suizo de los servicios de pago es s\u00f3lido y est\u00e1 dise\u00f1ado para garantizar la integridad del mercado, la protecci\u00f3n del consumidor y la estabilidad financiera. El marco est\u00e1 administrado por la Autoridad Suiza de Supervisi\u00f3n de los Mercados Financieros (FINMA), conocida en todo el mundo por sus pr\u00e1cticas reguladoras estrictas pero transparentes.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Licencias disponibles<\/strong><\/p>\n<ol>\n<li><strong>Licencia Fintech<\/strong>: Introducida en 2019, esta licencia tiene por objeto reducir los obst\u00e1culos para las tecnolog\u00edas financieras innovadoras, incluidos los proveedores de servicios de pago. Permite a las empresas aceptar dep\u00f3sitos p\u00fablicos de hasta 100 millones de francos suizos sin ser clasificadas como banco, siempre que no realicen actividades de pr\u00e9stamo.<\/li>\n<li><strong>Proveedores de servicios de pago (PSP)<\/strong>: Los PSP deben obtener una licencia de la FINMA para operar en Suiza, garantizando el cumplimiento de la Ley de Infraestructura del Mercado Financiero (FMIA) y la Ley contra el Blanqueo de Dinero (AMLA).<\/li>\n<li><strong>Licencia bancaria<\/strong>: Las empresas que ejercen actividades financieras m\u00e1s amplias o disponen de dep\u00f3sitos p\u00fablicos superiores a 100 millones de CHF deben solicitar una licencia bancaria.<\/li>\n<\/ol>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Regulador: FINMA<\/strong><br \/>\nLa FINMA es un regulador respetado en todo el mundo, con reputaci\u00f3n de fomentar un entorno financiero estable y seguro. Su rigurosa supervisi\u00f3n contribuye al estatus de Suiza como centro financiero mundial, especialmente en los sectores de pagos y tecnolog\u00eda financiera.<\/p>","protected":false},"featured_media":7630,"parent":0,"template":"","meta":{"_acf_changed":false},"payment-activity":[356],"payment-target-area":[355],"class_list":["post-7527","payment-institution","type-payment-institution","status-publish","has-post-thumbnail","hentry","payment-activity-general","payment-target-area-europe"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintech License - Switzerland - Clearsky Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.clearsky-network.com\/es\/payment-institution\/switzerland-fintech-license\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech License - Switzerland - Clearsky Network\" \/>\n<meta property=\"og:description\" content=\"Overview Switzerland\u2019s regulatory framework for payment services is robust, designed to ensure market integrity, consumer protection, and financial stability. 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