Switzerland’s digital-bank graveyard: radicant, FlowBank, Swiss4

esisuisse covers CHF 100,000 per client per bank — when there is a bank. FlowBank’s 2024 bankruptcy is the expensive version of that sentence. radicant’s 2025 wind-down is the polite version: clients pointed at Alpian.

Why they die

Compliance is priced in francs. The addressable market is a few million people who already have UBS, Raiffeisen, or PostFinance. Green branding and crypto adjacency are not a deposit franchise.

Who is left

This register keeps Swiss pages short on purpose. Revolut as a foreign EMI, Wise, Swissquote as a bank/broker, and a handful of FINMA names. If a leftover landing page still ranks, we tombstone it.