Who we are
The simplest bridge
between Brazil
and Switzerland.
BlueLock is a BR–Swiss fintech platform offering real CHF accounts with a Swiss IBAN, 18.5% APY yield with monthly compounding, and a progressive withdrawal schedule. For Brazilians who earn in hard currency or want to diversify wealth outside the real.
Founded in
2023
In Zurich, three Brazilians working in fintech noticed that no simple digital bridge existed between Brazil and Switzerland. Swiss banks refused to open accounts for Brazilian residents. Wise and Revolut offered only virtual balances, not real accounts.
Solution: a partnership with a FINMA-regulated Swiss bank, BACEN registration in Brazil, and an app that handles the hard work of KYC/AML automatically.
Timeline
Three years.
Seven milestones.
2023 The idea is born in Zurich
Three Brazilians working in fintech in Zurich spot the same pattern: friends were losing 6–7% on every BRL→CHF transfer. Swiss banks closed accounts for Brazilian residents. No clean digital bridge existed.
2024 BR incorporation + Swiss bank agreement
BlueLock SA incorporated in São Paulo. Negotiations begin with a FINMA-regulated Swiss partner bank to operate as a banking correspondent.
2025 Q1 BACEN authorization
Registered as a Payment Institution with the Central Bank of Brazil. Enables FX operations for individuals and corporates within IOF limits.
2025 Q3 Final deal with Swiss partner bank
Partnership signed with a FINMA-regulated Swiss bank. BlueLock now offers a real Swiss IBAN, with CHF balances custodied by the partner bank under FINMA supervision.
2025 Q4 Private beta — 100 clients
Soft launch with 100 selected clients (consultants, doctors, executives). R$ 12M volume in 90 days. NPS 78.
2026 Q1 Public launch via Web App
CHF account available to any Brazilian aged 18+. 100% online via responsive Web App — no native iOS or Android app. KYC onboarding through the browser.
2026 Q2 Today — 18.5% APY yield live
Over 5,000 Brazilians now protect their wealth in CHF via BlueLock. Free CHF balance yields 18.5% APY with monthly compounding + progressive withdrawal schedule. Optional CDB BlueLock (2.1–3.2% p.a.). Virtual cards unlocked after 12 months of loyalty; metal paired right after.
Directions
Personal Account
Real Swiss CHF account with Swiss IBAN, 18.5% APY yield.
Free balance yields 18.5% APY with monthly compounding and a progressive withdrawal schedule. Pix from any BR bank, Apple Pay + Google Pay via the Web App, optional CDB. Custodied by a FINMA-regulated partner bank.
Explore personal account
Business Account
CHF account for CNPJ — payroll, API, and corporate treasury.
Multi-sub-account, API integration, CHF payroll. For Brazilian startups and companies dealing with clients or suppliers in Switzerland, the EU, or other hard-currency markets.
Explore business
Cards & Payments
Virtual Visa after 12 months of loyalty. Metal paired in 7 days.
Virtual Visa unlocked at the 12-month mark of your first CHF deposit. Metal paired in 7 business days after. Optional Mastercard Plus after volume review. Apple Pay + Google Pay via Web App. Zero FX markup.
Explore cardsBoard of Directors
Ricardo M.
CEO & Co-founder
10 years in fintech (Itaú, Nubank, UBS Zurich). Brazilian based in Lugano.
Lugano, CH
Helena V.
CRO & Co-founder
Risk Management, ex-Credit Suisse. CFA + Swiss Securities Diploma. Brazilian-Swiss.
Zurich, CH
Bruno T.
CTO & Co-founder
Software engineer, ex-Stripe and Adyen. Specialist in payments architecture.
São Paulo, BR
Executive Management
Aline F.
Chief Compliance Officer
Anti-Money Laundering Specialist. 12 years in banking compliance (Bradesco, BTG Pactual).
São Paulo, BR
Auditors & Regulators
BlueLock is a technology platform. Client funds are held at regulated partner banks — FINMA in Switzerland via correspondent bank, BACEN in Brazil via an authorized institution. Independent annual audit. SOC 2 Type II in progress.
FINMA
Swiss regulator
BACEN
Brazilian regulator
SOC 2 Type II
Audit in progress
KPMG
Independent auditor