{"database": "bankproducts", "table": "claim", "is_view": false, "human_description_en": "where bank_id = \"bivial\" sorted by bank_id", "rows": [["bivial:identity:legal_entity", "bivial", null, "identity", "legal_entity", "Bivial AG", "Bivial AG, Industriestrasse 24, 6300 Zug. UID CHE-402.707.584, BIC KLARCH22, SIC IID 83041. CEO Martynas Bieliauskas. Schweizer Corporate-Treasury Fintech mit FINMA Art. 1b BankG Bewilligung.", null, null, "Bivial-AG-Detailed-Fees-2026.pdf Cover page", null, 1, "2026-02-10", null], ["bivial:safety:finma_fintech_licence", "bivial", null, "safety", "finma_licence_type", "Art. 1b BankG (Fintech-Bewilligung)", "Verbatim aus dem Pricing-PDF: \"Bivial AG is a deposit-taking financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Federal Banking Act, Article 1b.\" Erlaubt Publikumseinlagen bis CHF 100 Mio. Eine von 5 Schweizer Art. 1b-Entitaeten (Stand 2026-06-01).", null, null, "Bivial-AG-Detailed-Fees-2026.pdf + FINMA Bewilligungstraeger-Register", null, 1, "2026-02-10", null], ["bivial:safety:no_esisuisse", "bivial", null, "safety", "esisuisse_coverage", "Nein (Art. 1b ist nicht esisuisse-geschuetzt)", "Wie alle Art. 1b-Institute: Kundeneinlagen sind nicht durch esisuisse (CHF 100k Einlagensicherung) gedeckt. Stattdessen Schweizer Bankgeheimnis und FINMA-Aufsicht; Custodian-Modell nicht im PDF spezifiziert (Bivial-PDF erwaehnt keine direkte SNB-Verwahrung wie Yapeal).", null, null, "FINMA + esisuisse Best Practices", null, 1, "2026-06-02", null], ["bivial:safety:swiss_banking_secrecy", "bivial", null, "safety", "banking_secrecy", "Schweizer Bankgeheimnis + Datenschutz", "Verbatim PDF Cover Letter: \"Your data is protected under Swiss banking secrecy and applicable data protection requirements\". Bivial vermarktet explizit den Schweizer Bankgeheimnis-Schirm \u2014 ein Vorteil der BankG-Bewilligung gegenueber einer EMI (E-Geld-Institut) Lizenz.", null, null, "Bivial-AG-Detailed-Fees-2026.pdf Cover page", null, 1, "2026-02-10", null], ["bivial:identity:pricing_model", "bivial", null, "identity", "pricing_model", "Vollstaendig publiziertes Per-Action-Schema (VAT-inklusive)", "Bivial publiziert einen detaillierten Pro-Aktion-Tarif (Konto, Karte, Zahlung, vIBAN, SEPA-DD, Connectivity). Per-Konto-Maintenance CHF 25/Monat; CHF SIC CHF 0.50; SEPA CHF 1; SWIFT/TARGET2 CHF 10; Cross-Currency CHF 15. ACHTUNG: \"All fees and charges listed, including those for Payment Transactions, are subject to and are inclusive of VAT.\" \u2014 abweichend von der meisten Schweizer Banken, die netto quotieren.", null, null, "Bivial-AG-Detailed-Fees-2026.pdf", null, 1, "2026-02-10", null], ["bivial:identity:target_market", "bivial", null, "identity", "target_market", "Corporate-Treasury B2B mit Individual-Account-Option", "Pricing-PDF betitelt \"Detailed Fees for Corporate & Individual Accounts\" \u2014 Hauptzielgruppe sind Unternehmen mit komplexen internationalen Treasury-Anforderungen (18+ Wahrungskonten, REST API, SFTP-Connectivity, vIBANs fuer Reconciliation, SEPA-Direct-Debit). Individual-Accounts werden mit dem gleichen Tarif bedient. Sprache und Aufbau des PDF zielen klar auf CFO/Treasury-Manager.", null, null, "Bivial-AG-Detailed-Fees-2026.pdf", null, 1, "2026-02-10", null], ["bivial:digital:api_sftp_connectivity", "bivial", null, "digital", "b2b_connectivity", "REST API + SFTP + Mobile/Web", "Bivial bietet Connectivity ueber 4 Kanaele: Mobile, Web, REST API (gratis), SFTP (CHF 2500 Activation, CHF 0.10/Message). Batch-File-Upload fuer Massen-Zahlungen. Standing Orders gratis. Erstes Art. 1b-Fintech in unserer DB mit ausgepraegtem B2B-Connectivity-Layer.", null, null, "Bivial-AG-Detailed-Fees-2026.pdf Connectivity section", null, 1, "2026-02-10", null], ["bivial:identity:art_1b_cohort", "bivial", null, "identity", "finma_register_cohort", "Art. 1b Fintech-Bewilligung (4 von 5)", "Bivial ist die vierte Art. 1b-Entitaet die in bankproducts.db geladen wird. Vollstaendige Kohorte (Stand 2026-06-01): Bivial AG (Zug), Relio AG (Zuerich), Sequence SA (Genf), SR Saphirstein AG (Zuerich), YAPEAL AG (Zuerich). Bivial repraesentiert die vierte Pricing-Posture in der Kohorte: corporate-treasury BaaS (siehe journal atom #282) \u2014 distinct from Relio (SME tailored), Yapeal (SME packaged), Sequence (ERP-pipeline).", null, null, "FINMA Bewilligungstraeger-Register + journal atom #282", null, 1, "2026-06-02", null], ["bivial:identity:ceo", "bivial", null, "identity", "ceo", "Martynas Bieliauskas", "CEO Martynas Bieliauskas signiert das Pricing-PDF persoenlich (\"For that, I stand with my name. Yours sincerely, Martynas Bieliauskas, CEO\"). Persoenliche Signatur statt Corporate-Boilerplate \u2014 Brand-Element der Bivial-Kommunikation.", null, null, "Bivial-AG-Detailed-Fees-2026.pdf Cover letter", null, 1, "2026-02-10", null]], "truncated": false, "filtered_table_rows_count": 9, "expanded_columns": [], "expandable_columns": [[{"column": "bank_id", "other_table": "bank", "other_column": "id"}, "name"]], "columns": ["id", "bank_id", "product_id", "category", "claim_key", "claim_value", "display_text_de", "display_text_en", "display_text_fr", "source", "source_url", "verifiable", "valid_from", "valid_to"], "primary_keys": ["id"], "units": {}, "query": {"sql": "select id, bank_id, product_id, category, claim_key, claim_value, display_text_de, display_text_en, display_text_fr, source, source_url, verifiable, valid_from, valid_to from claim where \"bank_id\" = :p0 order by bank_id limit 101", "params": {"p0": "bivial"}}, "facet_results": {}, "suggested_facets": [{"name": "category", "toggle_url": "http://api.bankproducts.info/bankproducts/claim.json?bank_id=bivial&_facet=category"}, {"name": "source", "toggle_url": "http://api.bankproducts.info/bankproducts/claim.json?bank_id=bivial&_facet=source"}, {"name": "valid_from", "toggle_url": "http://api.bankproducts.info/bankproducts/claim.json?bank_id=bivial&_facet=valid_from"}, {"name": "valid_from", "type": "date", "toggle_url": "http://api.bankproducts.info/bankproducts/claim.json?bank_id=bivial&_facet_date=valid_from"}], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 27.095978000033938, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}