Why your money is safe with arvy

Strict FINMA Regulation — Higher Standards Than Most Providers

arvy holds a Collective Investment Schemes License (CISA) from FINMA, the Swiss Financial Market Supervisory Authority. This matters because the CISA license imposes significantly higher requirements than other license types such as the Fintech license or a simple asset manager registration.

For you, this means: arvy is subject to stricter capital requirements, more comprehensive compliance obligations, and regular audits by the supervisory authority. FINMA can request documentation and review business processes at any time. This isn't bureaucratic overhead — it's your additional layer of protection.

Your Personal Bank Account — Not a Pooled Account

Your cash at arvy sits in a personal account at Hypothekarbank Lenzburg, an established Swiss bank with over 150 years of history. This isn't standard practice: many providers — including well-known names like Revolut — use pooled accounts where all customers' money is held collectively.

The difference is fundamental: with a pooled account, in the event of a provider's insolvency, you can't clearly prove which portion belongs to you. With arvy, you have your own account in your name — with an individual claim to your money.

The combination of a personal account and an established banking partnership gives you a dual safety net that exceeds industry standards. More about our fee structure and security setup on the Fees page.

Fund Solution — Your Assets Are Legally Protected

Your invested capital sits in a fund provided by LGT (Liechtensteinische Landesbank, one of Europe's largest private banks). This gives you two decisive advantages:

Instant Diversification: Starting from just CHF 100, you own shares in a broadly diversified portfolio of quality companies — from Nestlé to Microsoft to LVMH. You don't need a large fortune to be professionally diversified.

Bankruptcy Protection: The fund is an independent legal entity, completely separate from arvy. Even in the unlikely event of arvy's insolvency, your assets remain fully protected. You own the fund shares — arvy merely manages them. If arvy were to disappear tomorrow, your wealth stays with the fund.

This is the level of security you should expect from a professional asset manager. Learn more about our investment philosophy and the quality companies in the fund in our Owner's Manual.

A Sustainably Operated Business

Fees matter. But it's equally important that your provider is built for long-term stability. Because what good is the cheapest provider if it doesn't exist in three years?

arvy isn't the cheapest provider on the market — but we're also not dependent on constant external capital injections to cover losses. We operate sustainably and profitably. Every franc of revenue is reinvested: into better technology, stronger customer support, and an even more reliable platform.

Many fintechs in Switzerland and internationally burn through investor money to win customers with dumping prices. The problem: when the money runs out, fees either increase drastically or the provider disappears entirely. With arvy, you're building on a company that stands on its own feet.

Our conviction: the tortoise beats the hare. Longevity and stability matter more than short-term price wars.

Want to see how arvy compares to banks and robo-advisors? We've prepared a detailed comparison for you.

Skin in the Game — We Invest Ourselves

The founders of arvy — Florian, Patrick, and Thierry — are personally invested both in the company and in the fund. Each founder has invested over CHF 100,000 in the same portfolio available to you in the app. This includes personal savings, Pillar 3a, and pension fund assets.

What this means in practice: we pay the same fees as you. We receive the same returns as you. When markets drop, we lose just as much. There's no special founder account, no hidden advantages.

In traditional finance, this is the exception, not the rule. Many banks sell products they haven't invested a single centime in themselves. At arvy, it's different: we don't chase short-term trends because our own wealth is on the line. This creates a natural discipline that benefits you directly.