Swiss Bank AMINA and Tokeny Partner to Build Regulated Bridge for Digital Securities

Swiss crypto bank AMINA Bank AG and Luxembourg-based tokenization firm Tokeny have announced a partnership aimed at streamlining the issuance and custody of regulated digital securities. The collaboration integrates AMINA's banking infrastructure—licensed and supervised by Swiss regulator FINMA—with Tokeny's ERC-3643-based issuance system, which embeds identity verification and compliance logic directly into blockchain assets.

The partners describe their framework as a "regulated banking bridge" for real-world assets (RWAs), including bonds and commercial paper. The model is designed to consolidate primary issuance, compliance, and custody into one regulated pipeline. Banks would oversee investor accounts and custody within a traditional legal structure, while smart contracts would automatically enforce eligibility and transfer restrictions on-chain.

According to the companies, this setup can reduce time-to-market for institutional issuers from several months to weeks by minimizing manual checks and eliminating the need for custom integrations. "Permissioned and programmable assets are the missing link between traditional finance and blockchain," Tokeny said in its announcement.

The underlying ERC-3643 standard adds compliance capabilities that general-purpose tokens such as ERC-20 lack. It connects investor identities via ONCHAINID, embeds jurisdictional and transfer restrictions, and enables automated handling of corporate actions. For regulated participants, these features could reduce reconciliation and operational errors while maintaining full auditability.

​The partnership comes amid growing institutional interest in tokenized finance. In Switzerland, SIX Group's SDX operates a regulated venue for digital securities, and UBS has already issued tokenized debt and fund shares. Globally, projects such as BlackRock's on-chain money-market fund "BUIDL" and pilots by Euroclear and Banque de France are testing settlement models that blend blockchain with existing financial infrastructure.

AMINA and Tokeny are positioning themselves as infrastructure providers rather than trading venues. Their focus is on issuance, compliance, and qualified custody, leaving secondary trading to regulated exchanges. Analysts note that the model still faces two challenges: proving that issuance timelines can indeed shorten under real transaction volumes, and ensuring interoperability between permissioned tokens and various regulatory frameworks, including Switzerland's DLT law and the EU's MiCA regime.

For AMINA, the collaboration broadens its offering beyond custody and trading into primary market and post-trade services. For Tokeny, it extends the reach of ERC-3643 as a compliance standard under its parent, Apex Group. Market observers will be watching for the first live bond or commercial-paper programs to test whether digital issuance at "bank speed" can coexist with blockchain-native compliance and transparency.