Swissquote Bank, Switzerland’s leading online financial services provider, has launched a new exchange-traded product (ETP) called the Bitcoin Certificate, marking its first actively managed fund tied to cryptocurrency assets. This innovative financial instrument is now listed on the SIX Swiss Exchange under the ticker symbol SQXBTQ, offering investors a secure and accessible way to gain exposure to Bitcoin without the complexities of direct ownership.
Backed by Swissquote Group Holding SA — a fintech pioneer founded in 1996 and headquartered in Gland, Switzerland — this move reinforces the growing integration of digital assets into traditional finance. With offices in key global hubs such as London, Dubai, Malta, Zurich, and Hong Kong, Swissquote continues to bridge the gap between conventional investing and the evolving world of blockchain-based finance.
What Is the Bitcoin Certificate?
The Bitcoin Certificate is not just another passive crypto tracker. It's an actively managed ETP powered by a proprietary machine learning algorithm developed by Swissquote’s quantitative investment team. This algorithm analyzes market data to forecast Bitcoin price trends and dynamically adjusts the fund’s exposure accordingly.
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Unlike holding Bitcoin directly — which requires managing private keys and securing digital wallets — this certificate allows investors to participate in Bitcoin’s upside through a regulated, exchange-listed product. This eliminates common risks like hacking, loss of access, or technical mismanagement associated with self-custody.
As stated on the bank’s official platform:
"All investors should be able to benefit from the rise of digital currencies. That’s why we’ve launched the first dynamically managed Bitcoin fund listed on the Swiss Stock Exchange."
How Does It Work?
The fund’s portfolio consists of at least 60% Bitcoin, with the remainder held in U.S. dollars to act as a volatility buffer during turbulent market conditions. By maintaining a portion of assets in stable fiat currency, Swissquote aims to reduce drawdowns during sharp corrections while still capturing long-term appreciation.
Importantly:
- The fund only holds Bitcoin and USD.
- Management fees are set at 1.5% annually, plus minor transaction costs.
- Investors trade the certificate just like any stock on the SIX Swiss Exchange.
Peter Rosenstreich, Head of Market Strategy at Swissquote, emphasized that while mainstream investors show strong interest in Bitcoin, many are deterred by its notorious volatility.
"Investors are excited about this cryptocurrency but uneasy because of its swings. So we aimed to build a trading algorithm that protects against downside risk."
This risk-mitigation approach reflects a broader trend: traditional financial institutions seeking ways to offer crypto exposure without exposing clients to full market volatility.
A Strategic Move in Crypto Adoption
Swissquote isn’t new to digital assets. In mid-2023, it partnered with Bitstamp, one of Europe’s oldest cryptocurrency exchanges, to enable direct Bitcoin trading for its over 200,000 private and institutional clients. Users could buy BTC using euros or dollars seamlessly within their existing trading interface — no wallet setup required.
Now, with the launch of the Bitcoin Certificate, Swissquote takes a step further by offering a regulated, algorithmically optimized investment vehicle designed specifically for risk-conscious investors.
This aligns with a global shift where major financial players like CME Group and CBOE have introduced Bitcoin futures, paving the way for potential ETF approvals. While full spot ETFs remain under regulatory scrutiny in some regions, structured products like Swissquote’s certificate provide a compliant alternative that meets investor demand.
Why This Matters for Investors
For retail and institutional investors alike, the appeal lies in simplicity, security, and smart risk management.
Key Advantages:
- No need to manage private keys or wallets
- Traded on a regulated stock exchange (SIX)
- Active risk mitigation via AI-driven strategy
- Access to Bitcoin’s growth potential with reduced volatility exposure
- Transparent fee structure and daily NAV reporting
Moreover, being based in Switzerland — known for its strong financial regulations and banking privacy — adds an extra layer of trust and credibility.
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Frequently Asked Questions (FAQ)
Q: What is a Bitcoin Certificate?
A: A Bitcoin Certificate is an exchange-traded product (ETP) that tracks the value of Bitcoin while being actively managed to reduce downside risk. It allows investors to gain exposure to BTC without owning it directly.
Q: Where can I buy the Swissquote Bitcoin Certificate?
A: The certificate is listed on the SIX Swiss Exchange under the ticker symbol SQXBTQ and can be purchased through any brokerage account that supports Swiss exchange trading.
Q: How does Swissquote manage volatility in the fund?
A: The fund uses a machine learning-based algorithm to predict price trends and adjusts its Bitcoin exposure dynamically. At least 40% of the portfolio is held in U.S. dollars as a cash buffer during downturns.
Q: Is this similar to a Bitcoin ETF?
A: While similar in concept, this is an ETP rather than an ETF. It's actively managed and structured under Swiss financial regulations, offering unique risk-mitigation features not typically found in passive ETFs.
Q: Are there fees associated with investing in this certificate?
A: Yes. The annual management fee is 1.5%, along with minimal transaction costs. There are no hidden charges, and all pricing is transparently disclosed.
Q: Does Swissquote hold the actual Bitcoin?
A: Yes. Swissquote holds the underlying Bitcoin in secure custody, so investors do not need to worry about storage or security risks.
Final Thoughts
Swissquote’s launch of the Bitcoin Certificate represents a significant milestone in the convergence of traditional finance and digital assets. By combining advanced technology, regulatory compliance, and investor protection, it offers a compelling solution for those intrigued by Bitcoin but wary of its wild price swings.
As more financial institutions adopt crypto-friendly strategies, products like this will likely become standard offerings in diversified portfolios.
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With increasing demand for secure and intelligent crypto access points, Swissquote sets a benchmark for how banks can responsibly innovate in the digital asset space — all while keeping investor safety front and center.