Swiss crypto bank Sygnum is extending its reach into Germany and Liechtenstein, aiming to capture growing demand from institutional investors for digital asset strategies. The move strengthens Sygnum’s presence in two core European markets and highlights the rising role of digital banking and regulated crypto investments in mainstream finance.
What Sygnum Offers
Sygnum, headquartered in Switzerland and Singapore, positions itself as a bridge between traditional finance and the digital asset economy. Its offerings include asset management strategies that focus on generating stable returns from crypto markets while minimizing risks linked to technology and market volatility.
At the center of its current strategy is a non-directional, low-volatility approach designed to capture yield opportunities across digital assets. According to the company, this strategy has consistently delivered double-digit annualized returns. For investors, these solutions function much like traditional deposit or loan products, but adapted to the fast-moving world of digital banking.
Why Germany and Liechtenstein Matter
Sygnum’s registration in Liechtenstein in September 2024 created a foundation for its entry into Germany. The expansion reflects rising interest from institutional and wholesale investors in accessing diversified portfolios that include digital assets. With checking accounts, mortgages, and credit facilities already under pressure from shifting interest rates, many banks are looking at digital banking tools as a way to diversify revenue and meet customer demand.
By targeting Germany—Europe’s largest economy—and Liechtenstein, a recognized hub for financial services, Sygnum strengthens its foothold in markets where regulatory clarity and investor appetite for digital products are rapidly expanding.
Institutional Demand and Partnerships
Institutional investors are increasingly seeking trusted, regulated platforms to access crypto markets. Fabian Dori, Sygnum’s Chief Investment Officer, noted that both Germany and Liechtenstein represent “major growth opportunities” as investors begin to view digital assets as a necessary part of long-term portfolio strategies.
To distribute its services within the European Union, Sygnum has partnered with Reuss Private Access, relying on a liability umbrella structure that ensures compliance with local financial regulations. This allows investors to access digital asset strategies through authorized distribution partners, combining innovation with the stability of regulated banking channels.
A Globally Connected Crypto Bank
Sygnum holds a full Swiss banking license, alongside regulatory approvals in Singapore, Luxembourg, Abu Dhabi, and Liechtenstein. By building a strong global regulatory footprint, the bank has positioned itself as a leader in what it calls “Future Finance”—a model that integrates digital banking with traditional financial structures.
Closing Insights
Sygnum’s expansion into Germany and Liechtenstein highlights how digital assets are moving from niche investments to mainstream financial tools. As interest rates, credit markets, and traditional banking products face ongoing challenges, institutional investors are increasingly open to regulated crypto strategies. For banks and customers alike, the trend signals that digital banking and crypto-based investment solutions are no longer optional but essential for staying competitive.
Looking ahead, Sygnum’s growth may foreshadow broader adoption of digital asset strategies across Europe. For investors, the key takeaway is clear: the future of banking will likely involve a blend of traditional credit and deposit services with innovative digital asset solutions.