The 5 most promising Swiss fintech startups of 2025, according to investors

The 100 most innovative and promising Swiss startups are picked by a panel of 100 leading investors and industry experts and are revealed at the Top100 Swiss Startup Award. This year, fintech has 5 representative startups in the Top100. We have also talked with Top100 jury member Alexandre Moreillon, investment director at investment firm FiveT Fintech. Learn more about these fintech companies shaping the future of financial innovation.

The annual ranking of the Top100 Swiss Startups has become a benchmark in Switzerland’s startup ecosystem—and beyond. Every year, a panel of 100 leading investors and startup experts chooses the 100 most innovative and promising Swiss startups. Each jury member nominates 10 Swiss startups that are fewer than five years old and show the greatest commercial potential. They assign 10 points for the first place and one point for the tenth place. The companies with the most points make it into the Top100 Swiss Startup Ranking.

Alexandre Moreillon

Praise for FINMA
The Swiss Financial Market Supervisory Authority (FINMA) was unable to prevent the collapse of major bank Credit Suisse in 2023, and at times it came under heavy criticism. In the startup ecosystem, however, FINMA’s work is valued: “Local fintech startups have nothing to fear from the regulator and praise the constructive collaboration, particularly in the area of digital assets,” says Alexandre Moreillon, investment director at investment firm FiveT Fintech. This gives young companies a competitive advantage compared with fintechs in countries with significantly more unpredictable financial market supervisory authorities. “The sector is diversifying and developing well,” says Moreillon. Following B2C and asset management-oriented solutions, an increasing number of startups with B2B applications are entering the market.



Discover the 5 fintech startups that impressed the Top100 Swiss Startup Award Jury in 2025:


Unique, #13
Unique's platform records conversations and uses advanced AI language models to provide client advisors with assistance, coaching, and actionable analytics.

Relai, #23
Relai's Bitcoin-only app is simple and intuitive, enabling anyone to buy and sell Bitcoin quickly and securely within minutes.

CarbonPool Holding, #35
CarbonPool Holding provides in-kind insurance for carbon credit shortfalls and reversals, helping companies meet their net-zero commitments reliably.

LeaseTeq, #42
LeaseTeq offers fully independent leasing software, bringing the first entirely digital, bank-independent leasing solution to the Swiss market.

Calvin Risk, #68
Calvin Risk delivers modular AI risk management software with standardized model testing, governance, inventorization, and predictive and generative AI profiling.


Winner of the public voting
The Top100 Public Voting runs parallel to the expert jury rankings and highlights 1 outstanding Swiss startup in the fintech sector. All startups that are no older than five years and listed on startup.ch are eligible to participate. Each person with a LinkedIn profile has one vote, and the company with the most votes win. The Top100 Public Voting fintech winner 2025 is Relai.

The 15th edition of the Top100 Swiss Startup Award 2025 celebrated Switzerland's most promising startups. Discover the fintech startups and all other startups in the Top100 Swiss Startup Magazine 2025 or follow the hashtag #TOP100SSU on Linkedin, Twitter, and Instagram for insights.