{"id":30875,"date":"2026-09-24T18:51:42","date_gmt":"2026-09-24T16:51:42","guid":{"rendered":"https:\/\/swissfintechalliance.ch\/?p=30875"},"modified":"2026-09-24T19:48:26","modified_gmt":"2026-09-24T17:48:26","slug":"sfa-position-amendments-anti-money-laundering-act","status":"publish","type":"post","link":"https:\/\/swissfintechalliance.ch\/de\/sfa-position-amendments-anti-money-laundering-act\/","title":{"rendered":"SFA Position on the Proposed Amendments to the Anti-Money Laundering Act"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Die <strong>proposed amendments to the Swiss Anti-Money Laundering Act<\/strong> will shape Travel Rule, due-diligence and freeze obligations. They cover both traditional and virtual assets. The State Secretariat for International Finance (SIF) invited the Swiss Fintech Alliance (SFA) to comment at an early stage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In its submission of 16 September 2026, the SFA supports a stronger Swiss AML\/CFT framework with technology-neutral and proportionate rules. At the same time, the SFA asks SIF to test every new rule twice. Does it reduce AML\/CFT risk? And does it keep Switzerland attractive for regulated fintech businesses?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Realistic Travel Rule Threshold<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The SFA considers the proposed CHF 500 threshold for Travel Rule identification too low. FATF Recommendation 16 allows up to USD\/EUR 1,000, and the EU applies EUR 1,000. Such a low threshold mainly burdens ordinary, low-value transfers. Moreover, it pushes users towards unhosted peer-to-peer channels that no regulator can see.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The SFA therefore proposes a materially higher threshold, such as CHF 5,000 or CHF 10,000. Firms would actually use such an exemption in practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Clear Scope for Payment Orders<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the SFA\u2019s view, the Travel Rule should cover genuine payment orders to an identifiable external third party. Orders that customers place for their own account should stay outside its scope. This includes purchase, exchange and investment orders, also via self-hosted wallets and DeFi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For third-party self-hosted wallets, institutions should obtain information on the counterparty and establish control over the wallet. They should not have to identify a stranger like a client. For DeFi, the SFA warns against a blanket identification duty that nobody can meet in practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Customer Due Diligence in the Anti-Money Laundering Act<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The SFA also points to a gap in customer due diligence for virtual assets. It concerns standing business relationships, such as wallet accounts. The SFA proposes a three-tier model that follows the logic for fiat payment instruments. Up to CHF 1,000, no due diligence applies. Between CHF 1,000 and CHF 5,000, customers provide unverified information. Above CHF 5,000, full identification applies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Stablecoin Blacklist<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The SFA views the proposed blacklist approach for stablecoin issuers positively. Issuers no longer need to identify every tokenholder upfront. Still, they keep the ability to act against known bad actors. However, the SFA asks for clarity on several points. These include listing criteria, review procedures, pools and omnibus wallets, and the governance of freeze capabilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Anti-Money Laundering Act: Same Freeze Rules as for Fiat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A central point concerns freezes and reporting. Virtual-asset and stablecoin transactions should follow the same architecture as fiat under Art. 9a, 9b and 10 GwG. First, no continuous freeze should apply while MROS analyses a report. Second, the issuer may lift the measure after 40 working days of MROS silence. Third, a freeze of at most five working days applies once MROS forwards a case to prosecutors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In contrast, a 90-business-day freeze would be much harsher than the regime for fiat institutions. Nothing in the nature of the assets justifies this difference. Immediate freezes should remain the exception for sanctions designations and lists from the authorities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: A Proportionate Anti-Money Laundering Act<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Overall, the SFA calls for risk-based and proportionate AML rules in line with international standards. Where rules go beyond FATF and EU requirements, SIF should justify them on their own terms. Otherwise, activity moves away from regulated Swiss institutions that supervisors can actually oversee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Download the full submission:<\/strong><br><a href=\"https:\/\/swissfintechalliance.ch\/wp-content\/uploads\/2026\/09\/SFA-Feedback-AML-Act-SIF-16.09.2026.pdf\" target=\"_blank\" rel=\"noopener\">SFA Feedback on the Proposed Amendments to the Anti-Money Laundering Act<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Verwandte Links:<\/strong><br><a href=\"https:\/\/www.sif.admin.ch\/\" target=\"_blank\" rel=\"noopener\">Staatssekretariat f\u00fcr internationale Finanzbeziehungen<\/a><br><a href=\"https:\/\/www.fedpol.admin.ch\/fedpol\/en\/home\/kriminalitaet\/geldwaescherei.html\" target=\"_blank\" rel=\"noopener\">MROS \u2013 Money Laundering Reporting Office Switzerland<\/a><br><a href=\"https:\/\/www.finma.ch\/\" target=\"_blank\" rel=\"noopener\">FINMA<\/a><br><a href=\"https:\/\/swissfintechalliance.ch\/de\/\" target=\"_blank\" rel=\"noopener\">Schweizer Fintech-Allianz<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>The SFA calls for a higher Travel Rule threshold and the same freeze and reporting rules for virtual assets and stablecoins as for fiat.<\/p>","protected":false},"author":1,"featured_media":30876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30875","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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