Finance

Bank Frick Adopts GenTwo Platform to Expand Digital Asset Capabilities

Date: October 19, 2025

Bank Frick Adopts GenTwo Platform to Expand Digital Asset Capabilities

Bank Frick has announced a new partnership with Swiss fintech GenTwo, integrating the “AMC Creator” platform to enhance its digital asset services. This collaboration highlights a pivotal trend in finance, where established banks and agile technology firms are joining forces to make sophisticated investment products more accessible to a broader range of investors.

Understanding the “AMC Machine”

An Actively Managed Certificate (AMC) is a flexible financial product that bundles a variety of assets—such as stocks, bonds, or even digital tokens—into a single security that can be easily traded. GenTwo’s “AMC Creator” is a B2B platform that acts as a “structuring engine,” allowing asset managers to design and launch these bespoke products in a few simple steps. This technology automates what was once a complex and costly process, effectively democratizing access to product creation.

Impact on Asset Managers and Advisors

This partnership directly benefits independent asset managers and financial advisors. By combining GenTwo’s powerful platform with Bank Frick’s established infrastructure, managers can now create and issue regulated AMCs faster and more cost-effectively. This allows them to package their unique investment strategies, including those focused on digital assets, into a bankable product with a Liechtenstein ISIN, which can then be offered to clients across the EU through regulatory passporting. In essence, it levels the playing field, enabling smaller managers to offer the type of customized products previously reserved for large investment banks.

A New Model for Digital Banking Innovation

This collaboration is a clear example of the banking sector’s ongoing evolution. Rather than spending heavily to develop this technology in-house, Bank Frick is leveraging a specialist’s platform to enhance its own services. This allows the bank to expand beyond its traditional roles—which might focus on a simple checking account or mortgage—to become a key enabler in the capital markets. This hybrid “fintech-bank” model is becoming a new standard for innovation, combining digital banking agility with the regulatory security and custody services that only a licensed bank can provide.

Securitization and the Future of Credit

The strategic move signals a broader economic trend: the “securitization of everything.” In a prolonged low interest rate environment, investors are constantly searching for new sources of return. Platforms like GenTwo’s make it possible to package alternative assets, such as private credit or digital tokens, into a familiar, tradable format. This unlocks liquidity and makes new asset classes accessible, moving far beyond traditional loans or deposit accounts and pointing toward a more open and integrated financial ecosystem.

The partnership between Bank Frick and GenTwo is a forward-looking move that creates immediate efficiency and reach for asset managers. It serves as a powerful blueprint for the future of asset management, where open platforms and strategic collaborations replace closed systems, making financial markets more democratic and innovative.

Closing Insights:

Economic Insight: This model of combining a bank’s regulatory license with a fintech’s technology platform demonstrates how to efficiently unlock new asset classes, like private credit and digital assets, for a wider investor base.
Professional Tip: Asset managers can now use “product-as-a-service” platforms to bypass the high costs and complexity of traditional issuance, allowing them to test niche strategies and respond quickly to market opportunities.
Broker Perspective: The increasing availability of bespoke AMCs creates a new competitive layer against traditional mutual funds, offering investors more tailored and agile access to specific strategies and assets.

Bank Frick Adopts GenTwo Platform to Expand Digital Asset Capabilities