For Institutional Investors
Swiss municipal debt. Institutional grade. Finally accessible.
For the first time, Swiss pension funds and insurance companies can invest directly in Swiss municipal infrastructure — without triggering the 10/20 Non-Bank withholding tax. CivicBond's automatic securitisation layer makes it possible.
Asset Class
Why Swiss Municipal Debt?
Lowest Default Risk in Switzerland
Swiss municipalities have never defaulted on public debt. Backed by cantonal fiscal oversight and tax revenue.
Long-Duration Match
10–25 year maturities align naturally with pension fund and insurance liability profiles.
ESG by Definition
Every instrument finances real infrastructure — schools, energy grids, bridges — with direct social impact.
Compliance
The 10/20 Rule — Solved.
Without CivicBond
11+ non-bank lenders trigger 35% withholding tax.
With CivicBond
Securitisation structure, unlimited investors, zero withholding tax
- CivicBond's legal-tech partner converts each loan into a registered security before listing — exempt from the 10/20 rule by design.
- Any number of Qualified Investors can participate without triggering withholding tax — no manual structuring required.
- Zero ongoing compliance burden for the investor: documentation, settlement, and reporting handled automatically by complementor partners.
The Process
How It Works for Investors
Register
Complete institutional onboarding and KYC once.
Access Deal Flow
Receive standardised, independently rated Swiss municipal instruments.
Bid
Participate in transparent digital auctions with real-time price discovery.
Settle
Automated documentation and custody through partner custodian banks.