{"id":19908,"date":"2025-04-13T01:53:28","date_gmt":"2025-04-12T23:53:28","guid":{"rendered":"https:\/\/heyneo.ch\/unkategorisiert\/yapeal-baas-provider\/"},"modified":"2026-02-01T22:43:32","modified_gmt":"2026-02-01T21:43:32","slug":"yapeal-baas-provider","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/de\/nachrichten\/yapeal-baas-provider\/","title":{"rendered":"BaaS &#8211; Was wird aus Yapeal unter 2026?"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"yapeal-se-transforme-en-fintech-pour-les-fintechs\">Yapeal wird zu einem Fintech f\u00fcr Fintechs<\/h2>\n\n<p><strong>Die Schweizer Neobank Yapeal hat eine strategische Wende eingeleitet. Seit M\u00e4rz 2025 ist sie als Anbieter von Bankinfrastruktur mit einem B2B-Angebot t\u00e4tig, das sich auf die Integration von Bankdienstleistungen in <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/fintech.pdf?la=en\">FINMA-konforme<\/a> Produkte\/Dienstleistungen von Drittanbietern konzentriert. <\/strong><\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-4302098 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-4302098 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-4302098 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-4302098 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-4302098 svg,#gspb_infoBox-id-gsbp-4302098 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-4302098 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-4302098 svg:hover,#gspb_infoBox-id-gsbp-4302098 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-4302098 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-4302098 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-4302098 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-4302098 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-4302098\" id=\"gspb_infoBox-id-gsbp-4302098\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-a2de78e{color:#000000;}.gspb_text-id-gsbp-a2de78e{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-a2de78e\" class=\"gspb_text gspb_text-id-gsbp-a2de78e \"><strong>B2C und B2B :<\/strong><br\/><em>Im Gegensatz zum B2C-Modell, das sich an Privatpersonen richtet, ist B2B auf Unternehmen ausgerichtet, die Bankdienstleistungen direkt in ihre Produkte oder Plattformen integrieren m\u00f6chten.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"yapeal-va-t-elle-abandonner-les-particuliers-1\">Wird Yapeal die Privatkunden aufgeben?<\/h3>\n\n<p>Offiziell nicht.<br\/>Die Dienste f\u00fcr Privatkunden sind weiterhin verf\u00fcgbar und Yapeal sagt, dass sie weiterhin von den Innovationen aus dem B2B-Bereich profitieren werden. Es sind jedoch keine neuen spezifischen Entwicklungen f\u00fcr den B2C-Bereich geplant. Der Schwerpunkt liegt auf anderen Bereichen.  <\/p>\n\n<p>Im Moment \u00e4ndert sich nichts. Aber diese Art von Neupositionierung ebnet oft den Weg f\u00fcr einen allm\u00e4hlichen \u00dcbergang. Die Entwicklung in den kommenden Monaten sollte beobachtet werden.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"quels-services-yapeal-propose-t-elle-desormais-aux-entreprises\">Welche Dienstleistungen bietet Yapeal jetzt f\u00fcr Unternehmen an?<\/h3>\n\n<p>Yapeal bietet eine vollst\u00e4ndige Infrastruktur, die so konzipiert ist, dass sie direkt in die Dienste anderer Unternehmen integriert werden kann. Die Zielgruppe sind Startups, KMUs, Fintechs, SaaS-Anbieter und Dienstleistungsunternehmen. <\/p>\n\n<p>Dies wird als &#8220;<strong>embedded finance<\/strong> &#8221; bezeichnet: die Integration von Bankdienstleistungen (Konten, Karten, Zahlungen&#8230;) direkt in eine Anwendung oder Plattform, die eigentlich keine Bank ist.<\/p>\n\n<p>Damit dies funktioniert, verwendet Yapeal einen <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Banking-as-a-Service<\/mark> (BaaS)<\/strong> Ansatz: eine modulare Infrastruktur, die Unternehmen \u00fcber APIs mit ihren eigenen Tools verbinden k\u00f6nnen.<\/p>\n\n<p><strong>Zu den verf\u00fcgbaren Modulen geh\u00f6ren :<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Transaktionskonten mit IBANs, einschlie\u00dflich virtueller IBANs, mit Einlagen bei der Schweizerischen Nationalbank.<\/li>\n\n\n\n<li>Personalisierbare Karten \u00fcber eine Cards-as-a-Service-L\u00f6sung.<\/li>\n\n\n\n<li>Schweizer und internationale Zahlungen mit integrierten Wechselkursoptionen.<\/li>\n\n\n\n<li>Automatisierte Identifikation (KYC) f\u00fcr nat\u00fcrliche und juristische Personen.<\/li>\n\n\n\n<li>Steuerungsinstrumente mit Echtzeitberichterstattung, Ausgabenkontrolle, Compliance-Management.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_row-id-gsbp-25ee015{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-25ee015 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-25ee015 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-25ee015\" id=\"gspb_row-id-gsbp-25ee015\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-b756a36.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-b756a36.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-b756a36\" id=\"gspb_col-id-gsbp-b756a36\">\n<p><strong>Identifikation<\/strong> (Kernmodul)<\/p>\n\n\n<style>#gspb_image-id-gsbp-1d86c62 img{vertical-align:top;}#gspb_image-id-gsbp-1d86c62 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-1d86c62\" id=\"gspb_image-id-gsbp-1d86c62\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_identification.webp\" data-src=\"\" alt=\"Yapeal core module account identification\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-8c35708.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-8c35708.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-8c35708\" id=\"gspb_col-id-gsbp-8c35708\">\n<p><strong>Zahlungen<\/strong> (Kernmodul)<\/p>\n\n\n<style>#gspb_image-id-gsbp-8d54627 img{vertical-align:top;}#gspb_image-id-gsbp-8d54627 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-8d54627\" id=\"gspb_image-id-gsbp-8d54627\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_payments.webp\" data-src=\"\" alt=\"Yapeal Kernmodul Zahlungen\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_row-id-gsbp-2c825e1{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-2c825e1 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-2c825e1 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-2c825e1\" id=\"gspb_row-id-gsbp-2c825e1\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-89beb21.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-89beb21.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-89beb21\" id=\"gspb_col-id-gsbp-89beb21\">\n<p><strong>Karten<\/strong> (Kernmodul)<\/p>\n\n\n<style>#gspb_image-id-gsbp-d06f28d img{vertical-align:top;}#gspb_image-id-gsbp-d06f28d img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-d06f28d\" id=\"gspb_image-id-gsbp-d06f28d\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_accounts.webp\" data-src=\"\" alt=\"Yapeal Kernmodul Karten\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-a87cd06.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-a87cd06.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-a87cd06\" id=\"gspb_col-id-gsbp-a87cd06\">\n<p><strong>Zahlungen<\/strong> (Kernmodul)<\/p>\n\n\n<style>#gspb_image-id-gsbp-cb1d8f9 img{vertical-align:top;}#gspb_image-id-gsbp-cb1d8f9 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-cb1d8f9\" id=\"gspb_image-id-gsbp-cb1d8f9\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_monitoring.webp\" data-src=\"\" alt=\"Yapeal Kernmodul Monitoring\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"has-small-font-size\">Quelle: Yapeal<\/p>\n\n<p>Das Ganze ist vollst\u00e4ndig online. Jeder Dienst kann je nach Bedarf separat aktiviert werden. So kann man das, was man braucht, anschlie\u00dfen und direkt in sein eigenes Produkt integrieren.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"quelle-place-pour-yapeal-face-aux-acteurs-b2b-deja-presents-en-suisse-1\">Welchen Platz nimmt Yapeal im Vergleich zu den bereits in der Schweiz t\u00e4tigen B2B-Akteuren ein?<\/h3>\n\n<p>Das B2B-Banking in der Schweiz steckt noch in den Kinderschuhen. Einige Akteure haben bereits eine klare Position inne, jeder auf einem bestimmten Gebiet. <\/p>\n\n<p>In Z\u00fcrich, <strong><a href=\"https:\/\/www.additiv.com\/\">Additiv<\/a><\/strong> bietet eine auf Verm\u00f6gensverwaltung ausgerichtete Plattform, die haupts\u00e4chlich von Privatbanken genutzt wird. <strong><a href=\"https:\/\/relio.ch\/\">Relio <\/a><\/strong>ebenfalls in Z\u00fcrich, richtet sich mit einem Pro-Konto-Angebot an Schweizer KMUs, jedoch derzeit ohne Infrastruktur f\u00fcr Dritte.<\/p>\n\n<p>In Genf, <strong><a href=\"https:\/\/www.temenos.com\/\">Temenos<\/a><\/strong> bleibt eine Referenz f\u00fcr das <strong>Core Banking<\/strong> f\u00fcr Gro\u00dfbanken mit einem sehr institutionellen Ansatz. <strong><a href=\"https:\/\/wecangroup.ch\/\">Die WeCan Group <\/a><\/strong>setzt auf Compliance und Blockchain-Technologie und baut modulare Bausteine f\u00fcr Finanzinstitute.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-8f1c1eb svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-8f1c1eb svg,#gspb_infoBox-id-gsbp-8f1c1eb svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-8f1c1eb svg{margin:0px !important;}#gspb_infoBox-id-gsbp-8f1c1eb svg:hover,#gspb_infoBox-id-gsbp-8f1c1eb svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-8f1c1eb\" id=\"gspb_infoBox-id-gsbp-8f1c1eb\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-e44bf98{color:#000000;}.gspb_text-id-gsbp-e44bf98{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-e44bf98\" class=\"gspb_text gspb_text-id-gsbp-e44bf98 \"><em>Bisher deckt keine dieser L\u00f6sungen den Bedarf an einer auf den Einzelhandel ausgerichteten Bankinfrastruktur, die auch f\u00fcr andere Marken oder Plattformen zug\u00e4nglich ist. Mit seinem Schritt in Richtung Embedded Finance dringt Yapeal in eine Nische vor, die auf dem Schweizer Markt noch wenig genutzt wird. <\/em><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"ce-qu-on-peut-retenir\">Was wir uns merken k\u00f6nnen<\/h3>\n\n<p><strong>F\u00fcr Privatkunden<\/strong>: Kurzfristig \u00e4ndert sich nichts, aber der Fokus auf B2B l\u00e4sst Zweifel an der Nachhaltigkeit des Angebots aufkommen.<br\/><strong>F\u00fcr Unternehmen<\/strong>: Yapeal bietet nun eine modulare, nutzungsorientierte Infrastruktur an, die f\u00fcr die schnelle Integration von Finanzdienstleistungen gedacht ist.<\/p>\n\n<p>Diese Neupositionierung stellt eine klare strategische Wende dar. Es bleibt abzuwarten, ob das Angebot auf eine echte Nachfrage seitens der Schweizer Unternehmen st\u00f6\u00dft &#8211; und was letztendlich mit den Privatkunden geschehen wird. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"que-pensez-vous-de-yapeal\">Was halten Sie von Yapeal?<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Kennen Sie die Yapeal-App?<\/li>\n\n\n\n<li>Glauben Sie, dass die neue strategische Ausrichtung von Yapeal die richtige ist?<\/li>\n\n\n\n<li><strong>Gef\u00e4llt Ihnen das <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">neue Logo<\/mark> von Yapeal?<\/strong><\/li>\n<\/ul>\n<\/blockquote>\n<style>#gspb_image-id-gsbp-284fe68{text-align:center;}#gspb_image-id-gsbp-284fe68 img{vertical-align:top;}#gspb_image-id-gsbp-284fe68 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-284fe68 img{width:300px;}#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-284fe68\" id=\"gspb_image-id-gsbp-284fe68\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Yapeal-new-logo.png\" data-src=\"\" alt=\"Yapeal neues Logo\" loading=\"lazy\" width=\"300px\" height=\"1024\"><\/div>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Teilen Sie Ihre<\/mark> Erfahrungen<\/strong> mit allen Freunden von Neo \ud83d\ude08.<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-ALL-court-1.gif\" data-src=\"\" alt=\"Nutzermeinungen und Kommentare\" loading=\"lazy\" height=\"249\"><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yapeal wird zu einem Fintech f\u00fcr Fintechs Die Schweizer Neobank Yapeal hat eine strategische Wende eingeleitet. Seit M\u00e4rz 2025 ist sie als Anbieter von Bankinfrastruktur mit einem B2B-Angebot t\u00e4tig, das sich auf die Integration von Bankdienstleistungen in FINMA-konforme Produkte\/Dienstleistungen von Drittanbietern konzentriert. Wird Yapeal die Privatkunden aufgeben? Offiziell nicht.Die Dienste f\u00fcr Privatkunden sind weiterhin verf\u00fcgbar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19814,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[813],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-19908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nachrichten"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BaaS - Was wird aus Yapeal unter 2026?<\/title>\n<meta name=\"description\" content=\"Yapeal wird BaaS-Anbieter in der Schweiz. 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