Banks see it too: their clients want to invest in crypto. In Switzerland, 18% of the population hold crypto assets; in 2024 it was 11%. Around 140’000 investors joined in the past year alone, and 60% of current holders plan to buy more within the next two years.

So far, this demand is bypassing the banks. Zürcher Kantonalbank reported outflows from its clients to crypto exchanges of CHF 600 million and launched its own crypto trading in 2024; PostFinance counted more than 25’000 crypto portfolios almost a year after its launch. Across Europe, 30% of investors want to buy crypto through their bank, yet fewer than half of the institutions offer it. A simple, reliable offering is often lacking. Tradoo closes this gap with clear risk levels, fixed rules and full transparency.

The Solution

Tradoo bridges traditional banking and digital assets.

Tradoo makes digital investments accessible to banks, wealth managers and their clients. The platform connects proven financial processes with digital assets, transparently and according to clear rules.

Prototype of the partner dashboard as white label for a bank

1. Integrate digital investments easily

Banks, wealth managers, family offices and companies can integrate digital assets into their existing processes, from investment to reporting.

2. Invest according to clear rules

Investors choose a strategy that matches their risk profile: from defensive approaches to Bitcoin and Ethereum strategies with higher growth potential.

The platform monitors the markets and supports adjustments within defined rules. Every decision is clearly documented. This turns crypto speculation into a structured, traceable investment.

3. For professionals and private investors

Banks and wealth managers can manage individual strategies and multiple client portfolios centrally, with reporting and clear oversight.

Private investors gain a simple entry point through their bank or financial partner, with a risk assessment and guided strategy selection.

Both channels run on the same infrastructure.

Market and Potential

Digital assets are an asset class of around USD 2.7 trillion (CoinGecko, September 2026). In Switzerland and Liechtenstein, assets in crypto ETPs and funds reached around CHF 15 billion by mid-2025, two thirds more than a year earlier (Lucerne University of Applied Sciences and Arts). Around 20 Swiss banks now offer crypto services, and ZKB and PostFinance alone opened access for more than 2.5 million accounts. At the same time, the demands on governance, risk management and integration are rising. Tradoo calculates bottom-up rather than with market shares. Target: three partners with a letter of intent by mid-2027 and live from the second half of 2028, with CHF 10 to 30 million in connected assets each; the base case calculates with CHF 10 million per partner, with a focus on the DACH region and selected European markets.

What drives the market

Institutional demand: Banks, asset managers and family offices are assessing where digital assets belong in portfolios and client offerings. 73% of institutional investors plan to increase their allocation in 2026 (EY-Parthenon and Coinbase, January 2026).
Control and transparency: After the failures of centralised market participants, clear ownership structures carry more weight.
Regulatory professionalisation: As regulation advances, so do the demands on reporting, governance and integration-ready solutions.
Automation: Analysis, risk and reporting processes can be driven by data.

Competitive Advantage

Tradoo sits precisely between the technical custody of digital assets and the financial institution’s client platform.

Custody specialists focus on safekeeping and secure transactions. Crypto banks go further and also offer strategies and investment products, but in doing so they take a larger share of the value creation and the client interface for themselves.

The Risk Strategy Layer is Tradoo’s risk and strategy infrastructure: a software layer between the custody of digital assets and the bank’s client platform. It consists of four building blocks:

a Strategy Engine with seven risk profiles, six fixed and one Meta profile in which the AI Engine switches between the six according to the market regime, all weighted between USDC, Bitcoin and Ethereum according to clear rules;
Smart Vaults, in which the assets are held segregated and without sole access by Tradoo;
an execution layer that acts only within the agreed limits;
and reporting with a complete audit trail.

The bank integrates this infrastructure into its existing processes through APIs or as white label.

The Risk Strategy Layer provides the financial partner with strategy, risk control and the technical logic for execution, while the client relationship, brand, custody account and control over the assets remain with the partner. Banks therefore neither have to develop their own digital asset infrastructure nor outsource this function entirely.

The technological edge lies in the interplay of the Strategy Engine, risk logic, Smart Vaults, reporting and partner integration. These components already form a shared architecture.

Business Model

Tradoo earns as a software provider from the partners that integrate the Risk Strategy Layer. Revenue comes from four lines:

Setup and integration: CHF 30’000 to 100’000 one-off per partner, depending on size and integration depth.
Annual licence: CHF 12’000 per active partner for ongoing use of the platform.
Platform fee: 0.25% per year on connected assets, 0.30% for treasury mandates. This line scales with the partners’ assets.
AMC and consulting: An advisory fee on an Actively Managed Certificate (AMC) issued by a licensed issuer on the basis of the Strategy Engine, plus project-based AI Consulting as an early revenue contribution.

Example: A partner with CHF 10 million in connected assets brings around CHF 37’000 in recurring revenue per year, with CHF 30 million around CHF 87’000. In the first year, CHF 30’000 to 100’000 in setup come on top. Break-even is planned for the second quarter of 2029 in the base case, one quarter earlier with CHF 30 million per partner.

Team

Founding team

Natascha Retzler-Tavoletta, CEO. 25 years in wealth management, including at Julius Bär, Credit Suisse and Vontobel. Expert in global brand building, organisational development and global partnerships. International leadership experience, six languages.

Jens Herbst, COO and Founder. Three exits, including WeSendit with 3.5 million customers and a USD 3.2 million presale in 30 minutes. In crypto since 2015. Swiss Innovation Award.

Nico Lucciola, CTO and Co-Founder. Ten years in Web3, smart contract projects worth over USD 10 million. Architect of the Smart Vault Engine.

Leon Demir-Loh, CBDO and Co-Founder. VC network, pre-seed fundraising lead, strategic B2B partnerships.

Roadmap

Pre-Seed and Seed 1 built the team, the technology and the Risk Strategy Layer with CHF 1.43 million. The next milestones:

The targets for partners and connected assets are planning assumptions and depend on product maturity and partner acquisition.

Reasons to Invest

Entry before commercialisation: The OOMNIUM round runs at the same pre-money valuation of CHF 8.0 million as the Seed 1 private placement.
The round finances commercialisation: Pre-Seed and Seed 1 carry ongoing operations to mid-2028. The capital from this round finances the path from there to break-even in the second quarter of 2029: the go-lives of the first three partners, the AMC, audits and the Foundation structure. Those investing now finance commercialisation at the same valuation as the private placement.
Conservatively planned, upside open: The base case counts three partners with around CHF 10 million each, letters of intent in the first half of 2027, a six-month pilot phase from the second half and six to nine months of onboarding, so go-lives from the third quarter of 2028. Every earlier signing, every additional partner and every higher allocation shortens the path.
Technological basis in place, market picking up: Strategy Engine, risk profiles and interface exist as an MVP prototype, market entry through banks begins in 2027 with letters of intent and pilots, and 18% of the Swiss population already hold crypto assets.
Experienced team: Founding team with three exits, 25 years in wealth management and ten years in Web3.

Tradoo – Crypto investing. Simple and clear.

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