In an age when financial systems rely on historical status to attract and retain clients, Artus Bank intentionally distances itself from such foundations. Promoting itself as “banking without legacy,” Artus Bank is engineered for programmable finance and supported by Swiss compliance. This solution is unique and has begun to attract a wide range of clientele.
“I saw the chance to build a bank without legacy baggage,” Gavin Nathan, chairman of the board for Monerys AG (Artus Bank), stated. “Institutional-grade from day one, with smart-contract automation, transparent reporting, and faster settlement. I’m motivated by building systems that earn trust because they’re engineered and governed for it, not marketed for it.”
How Does a Hybrid Bank Work?
Artus Bank is being built as a Swiss hybrid bank (fiat/crypto) with on-chain core banking and asset tokenization as essential features. Tokenization isn’t for crypto, but automated controls and verifiable reporting for compliant infrastructure. This compliance-first design will lead the bank to earn a Swiss Financial Market Supervisory Authority (FINMA) license, ensuring know your customer and anti-money laundering (KYC/AML) controls for its clients, audit rights, and fiduciary controls.
“In an early strategy session,” Nathan reflected, “we listed every costly constraint traditional banks accept as normal. Then we designed them out; automated controls, tokenized assets and liabilities, and real-time reporting from day one.”
Understanding the Operating Model
Artus Bank will be when its built, a fully blockchain-integrated bank, supported by Swiss regulation. As such, the bank has taken a reverse private-equity approach; vet first, fund second. Clients approved for the operating model are provided tokenized rails for faster settlement and optional liquidity bolstered by structured investor protections, including reporting rights and veto rights on significant events.
Ultimately, this design promises its clients three key benefits: lower operating complexity, higher transparency, and programmable products for institutions, including risk-weighted assets (RWA) tokenization, trade finance, and treasury and institutional custody solutions.
Clients also gain access to Artus Bank’s security token offering (STO) for further structure and protection.
“Legacy systems make change slow, expensive, and complex,” the Monerys AG website reads. “Features are bolted on; compliance is harder than it should be. [Monerys AG aims to] start clean. Bring forward a modern core banking system with programmable features so operations speed up, controls strengthen, and innovation doesn’t fight the past.”
Solving the “Too Early” Problem
Monerys AG, and Artus Bank by extension, are raising capital for institutional and accredited investors. To solve the “too early” problem, the group has focused on working with jurisdictions and partners that value compliance and proof. This is why Artus Bank is based in Switzerland and has begun creating connections with more established investors.
The Future of Banking
Within the next two years, Artus Bank aims to secure its license, become fully operational, and have its core B2B products live. Its tokenized real-world assets, trade-finance rails, and institutional custody services should be in place by this point. Within five years, the bank aims to be established as a high-precision Swiss hybrid bank with a global institutional client base.
Written in partnership with Tom White
