🇨🇭 Switzerland Puts Interbank Payments on the Blockchain

Swiss banking just leveled up. PostFinance, Sygnum Bank, and UBS have executed the nation’s first legally binding interbank payment using tokenized deposits on a public blockchain — a move the Swiss Bankers Association (SBA) calls nothing short of historic.

⚡ Quick Hits

• 🏦 Banks involved: PostFinance, Sygnum Bank, UBS
• 📅 Date: September 16, 2025
• 🔗 First-ever legally binding interbank transfer on blockchain
• ⚙️ Tested: Direct client payments, escrow-style asset exchanges, automated settlements
• 🧾 Legally recognized: Fully compliant under Swiss law
• 🪙 Smart contracts: Enabled programmable payments for securities and insurance

🏛️ What Happened

The proof-of-concept (PoC) wasn’t a lab test — it was legally binding. Tokenized bank deposits were used to simulate:

• ✅ Direct interbank payments between clients
• ✅ Escrow-like exchanges of tokenized assets
• ✅ Automated settlements for securities trading & insurance claims

The results? Deposit tokens on public blockchains can operate securely, meet compliance standards, and add programmability to traditional banking.

💬 “The deposit token offers huge potential to improve efficiency and security in future payment transactions,” — Alexander Thoma, Head of Digital Assets at PostFinance

🔗 Why It Matters

This isn’t just another blockchain experiment. It’s proof that regulated banks can move real money on-chain — with legal recognition.

• Efficiency gains: Faster, programmable settlements
• Security boost: Reduced operational risks via automation
• Global signal: Blockchain is entering serious finance, not just crypto-native circles

💬 “This PoC shows that bank money interacting via public blockchains can become a reality, unlocking innovation around tokenized assets and actively shaping the future of financial systems—both nationally and globally.” — Christoph Pour, Head of Digital Assets at UBS

🌍 Bigger Picture: Switzerland’s Play

The SBA has been vocal about pushing digital currencies. This PoC proves:

• Public blockchains can coexist with compliance
• Deposit tokens may rival stablecoins & CBDCs
• Switzerland is building a blueprint for tokenized finance

With smart contracts enabling programmable payments, this could reshape everything from securities trading to insurance claim settlements.

⚡ TL;DR

Switzerland just executed its first blockchain-powered, legally binding interbank payment. With PostFinance, UBS, and Sygnum leading, tokenized deposits proved secure, compliant, and programmable — paving the way for a new financial infrastructure.

The Swiss model: blockchain + banks + regulation = the future of finance.

🔎 SEO Block

Title: Switzerland Executes First Legally Binding Interbank Blockchain Payment Meta: PostFinance, UBS, and Sygnum complete Switzerland’s first blockchain-powered interbank payment with tokenized deposits — a milestone for compliant, programmable finance. Slug: switzerland-blockchain-interbank-payment Tags: Switzerland, UBS, PostFinance, Sygnum, Blockchain, Tokenized Deposits, Banking Innovation Image Alt: Swiss banks connected by blockchain network with digital tokens flowing between them

Хочешь, я сделаю для этого материала обложку в стиле “Swiss Alps meets digital banking” — белые вершины, на фоне которых переливаются токены и банковские символы?