SwissBorg exchange profile

SwissBorg combines routed crypto purchases with custody, recurring investment and managed products. Its Smart Engine assembles conversions across external liquidity venues, including routes for fiat/crypto combinations that have no direct market. The displayed pair therefore describes the conversion requested by the customer; it does not establish a separate SwissBorg order book. An exchange report records the route and its constituent steps.[3]

The progressively released Web App shares balances and the execution engine with mobile. Each browser login requires a passkey and approval in the trusted mobile app; losing the phone therefore also prevents fresh web access until recovery. The documented web trading scope is fiat-to-crypto and crypto-to-crypto exchange. Traditional limit orders have been withdrawn from both interfaces, with Trigger Orders taking their place.[9]

Earn, previously called Smart Yield, supplies asset-specific staking and yield strategies and reinvests distributions. Its Low/Medium/High labels are the operator’s risk assessments. They do not establish insured principal or a common redemption deadline across strategies.[37]

All Loyalty Ranks have the same ordinary 0.99% exchange fee. Ranks change BORG rewards and other benefits. BORG can be unlocked at any time, but it then enters a 30-day cooldown; lowering the locked balance can also reduce rank benefits. Cashback is credited weekly in BORG, exposing its value to the token’s price.[10]

The pricing policy adds a market-liquidity adjustment to the quoted asset price; SwissBorg may retain the excess over its necessary margin. Cashback is discretionary and is automatically locked. Ordinary exchange limits are €5–€120,000, with the fee calculated in the receiving currency.[11]

Small card top-ups are especially affected by the minimum charge: the published floor is €5 for Standard/Bronze and €3 for higher ranks, against a €10 minimum deposit. The card form lets the customer review whether fees come out of the entered amount. Currency conversion by the card issuer is a separate possible expense.[15]

Card-funded balances can be exchanged or committed to Earn while still unavailable for withdrawal. During the customer’s first 30 days the cooldown can last up to 30 days; later Standard card deposits have a ten-day cooldown. Customers in a Loyalty Rank are exempt after the initial period. The restriction includes bank withdrawals, external wallets and Smart Send. The rolling 28-day card limit is €20,000, or €50,000 for Diamond/Elite, also subject to KYC limits.[15]

For crypto deposits, the current in-app asset and network instructions control. The guide specifically calls for a freshly generated BTC deposit address, an XRP destination tag and an HBAR memo. A token being tradeable does not establish that every network carrying it is supported.[17]

External sending and receiving wallets must be entered in the Address Book. An incoming transfer needing ownership verification remains pending; the guide says an unverified deposit is returned after 90 days. Verification is reached from the alert or the asset’s transaction history.[18]

The withdrawal flow requires confirmation that the destination is in the customer’s name or otherwise under the customer’s control. SwissBorg presents this as its platform requirement. Once submitted to the blockchain, the payment cannot be cancelled through the ordinary withdrawal flow.[19]

Incorrect deposits have a separate recovery process. Examples include missing XRP/HBAR identifiers and certain supported tokens on recoverable networks; specialists decide each case. The quoted EUR fee is €200 for the first transaction and €100 for each additional transaction recovered simultaneously. Outbound withdrawals, unrelated addresses and unsupported legacy addresses are excluded. Recovery availability is not a guarantee.[20]

BlockNodes controls the MPC custody infrastructure. Its policy also describes an internal smart-contract proxy for decentralised execution and a small allocation prefunded with third-party centralised exchanges. Those prefunded assets are held by the exchange custodian. Client balances can share omnibus addresses, with individual entitlements identified through the internal ledger. These are custodial accounts even though the technology avoids a single complete private key being stored in one place.[21]

Withdrawal Protection is optional and off by default. It sets a one-to-180-day delay on crypto withdrawals and also restricts Smart Send, while internal trading remains possible. Switching it off starts the same waiting period; Support cannot shorten it. A pending protected withdrawal can be cancelled, but starting another resets the timer. Large network-fee changes can also cause a scheduled payment to fail and require resubmission.[24]

The dedicated Account Freeze guide specifies 48 hours after manual recovery or a phone/email change, covering withdrawals, new bank details and certain security changes. It provides an email link for reporting an unauthorised change.[25]

Some individual instructions differ: the bank-withdrawal guide still says 24 hours after manual recovery. That inconsistency prevents treating 24 hours as an assured release time.[16]

The contract separately reserves up to 72 hours after Paper Key access or related information changes.[2]

Recovery depends on the registered phone number. Losing that number requires a support-assisted update first; using another number starts a duplicate account. Passkey, previously enabled recovery phrase and renewed identity verification are distinct recovery routes.[26]

The December 2025 SOL support-grant notice, modified in September 2026, remains relevant to affected Kiln staking customers. It recorded a 97.7675% strategy loss and redemption of the remainder. Acceptance closed on 17 March 2026; declining forfeited participation. Later grant amounts and timing depend on markets and treasury capacity. The stated ambition to restore losses is not a commitment to full reimbursement or evidence that every distribution has occurred.[27]

SwissBorg publishes a country list, but its rows are service-availability statements rather than independent evidence of a local licence. The page also distinguishes bank rails outside Europe, including EUR SEPA, GBP Faster Payments and USD/AED SWIFT. Supported residence, available funding rail and regulatory coverage are separate questions.[28]

The terms exclude US persons/citizens and Chinese and Russian citizens. Their inactivity clause allows suspension or termination where an account is empty, inactive, or not accessed for over a year; it is not a published periodic fee.[2]

Some customers transferred to BlockNodes must repeat identification with a passport or national ID and selfie video; driving licences are excluded for this migration check. Starting the process restricts account permissions until completion. Incomplete verification blocks new deposits, buying, selling, exchange and new subscriptions, even though the account remains open.[29]

UK access has separate appropriateness and client-categorisation requirements. Categorisation is renewed annually; failure to complete the required checks restricts products. After the second appropriateness attempt, a 24-hour interval applies before another attempt. These customer-access controls do not extend the EU passport to the UK.[30]

Closure is available through Profile → Settings in supported app versions. The guide requires withdrawal where the remaining balance exceeds €5 and says sub-€5 residuals can be forfeited on closure; it does not resolve the exact €5 boundary. Statements should be exported beforehand because access ends. Subsequent payments to closed-account addresses can be lost, and regulatory retention can prevent immediate deletion of all personal data.[31]

The support guide expressly says this is not live chat and that no live support channels are offered. It does not establish an emergency dealing desk that can fill, amend or close an order during an outage. A support ticket therefore carries no execution commitment.[32]

The September complaint guide commits to acknowledgement within five working days and a definitive answer within 15, extending to 35 for complex matters. It allows a longer exceptional delay with an explanation and revised timing. A customer may seek management review and request printed communications. These are complaint-handling targets, not a guarantee that an operational withdrawal or disputed trade will be resolved on that schedule.[33]

The migration notice expressly separates product coverage: MiCA applies to EEA crypto services, while Earn is outside MiCA and EU investor protections. Fiat accounts and payments come from licensed partner institutions. Contracting with the French entity from the UK or Switzerland does not itself create an EU passport into either country.[35]

SwissBorg’s homepage displayed approximately 921,900 verified users and US$1.26 billion in user crypto assets when inspected on 20 October 2026. These are operator-reported platform metrics, not active-trader counts or daily exchange volume. The footer identifies Lausanne-based SBorg SA as owner of the application, separately from the service-contract entities.[1]

The move from the former Estonian entity to BlockNodes took effect on 22 June 2026, transferring accounts, assets and settings. Customers in the EEA, UK and Switzerland received new bank deposit instructions. Existing saved beneficiaries therefore need to match the current in-app details rather than a historical SwissBorg payment record.[35]

The 13 October wealth-product notice makes the remaining migration consequences explicit. Customers must accept the Wealth Management terms and each investment mandate and complete the reset suitability assessment. The 1 July deadline has passed. Incomplete Bundles and Managed Portfolios stay sell-only and are excluded from rebalancing/reallocation; completing both steps restores functionality. This is a change to management authority, not automatic liquidation of an existing holding.[36]

Operator

BlockNodes SAS / Dharma Ltd, according to residence

Exchange model

Centralised

Service scope

Routed crypto execution, custody, recurring purchases, Bundles, Managed Portfolios and separately conditioned Earn.

Client types

Retail clients; Institutional clients

Pricing publication

Public pricing

Pricing scope

Ordinary exchange fee 0.99%, plus quoted market-liquidity adjustment; product and transfer charges differ.

Funding scope

Supported fiat bank/card routes and own-wallet crypto transfers; card and security holds can delay withdrawal.

Custody and asset handling

MPC and omnibus custody, with limited delegated exchange balances; Earn has separate protocol exposure.

Client eligibility

Supported countries and identity checks; product and migration requirements apply.

Support

In-app tickets, email and formal complaint forms; no live support channel documented.

Authorisation and registration scope

BlockNodes French MiCA authorisation covers six listed services; Earn and fiat payments require separate scope treatment.

Exchange metadata checked 20 Oct 2026Source 2Source 3Source 1Source 21Source 15Source 10Source 11Source 35Source 32Source 28

The Account Statement menu exports a selected period and reporting currency as PDF or Excel. Excel includes gross/net amounts, fees, transaction type and local/UTC times; exchanges occupy separate buy and sell rows. The current day and pending deposits are excluded, while pending withdrawals are included with a pending note and can still be rejected. Bundle tokens appear individually. The files document account activity and do not by themselves calculate a final tax liability.[39]

Cyborg Advisor, documented on 15 October 2026, is a separate personalised advisory service. After suitability assessment and acceptance of terms, three AI agents analyse allocation, risk and observed behaviour and issue a weekly briefing. It recommends allocation changes and possible SwissBorg tools, but never places orders: the customer chooses assets and executes. Behavioural personas do not replace regulatory suitability, and the comparison portfolio is a model that cannot itself be purchased. The disclosure recognises possible AI errors.[40]

The inspected customer documentation establishes app-based recurring plans and separately mandated portfolio management. It did not establish a public customer trading API with documented key permissions or withdrawal scope. Stopping an Auto-Invest plan controls future scheduled conversions; changing managed-product authority requires the relevant product controls and accepted mandate.[6][36]