{"database": "bankproducts", "table": "product_feature", "is_view": false, "human_description_en": "where product_id = \"relio:business_account\"", "rows": [["relio:business_account:pf:art_1b_licence", "relio:business_account", "pricing_condition", "Art. 1b BankG fintech licence (deposit-taking limited to CHF 100M aggregate)", "Relio holds a Swiss FINMA Art. 1b BankG (\"Bewilligung fuer Institute mit beschraenkter T\u00e4tigkeit\") licence, not a full Art. 1 banking licence. Customer deposits are NOT covered by esisuisse (the CHF 100k deposit insurance scheme that protects Art. 1 banks). Art. 1b deposits must be held in segregated accounts at a custodian bank under FINMA rules.", null], ["relio:business_account:pf:online_onboarding", "relio:business_account", "service_channel", "Online account opening, no minimum deposit", "Standard fintech onboarding posture. Differentiator vs traditional Swiss SME banks which typically require an in-person meeting and a CHF 25-50k opening balance for foreign-owned entities.", null], ["relio:business_account:pf:tailored_pricing_model", "relio:business_account", "pricing_condition", "Flat monthly fee, all-inclusive, negotiated per client", "Verbatim from relio.ch/en/pricing: \"You pay the same price every month, regardless of your account usage\" + \"every client gets a fee tailored to their needs\". This is the entire pricing model \u2014 no per-transaction component, no FX markup tier, no card surcharge. All account activity covered by the single negotiated monthly fee.", null], ["relio:business_account:pf:target_complex_sme", "relio:business_account", "eligibility", "Complex SME \u2014 international activity, foreign owners/directors", "Per relio.ch homepage: target customers are Freelancer / Startup / SME, with explicit emphasis on \"complex business cases including International business activities, Foreign owners and directors\". The tailored pricing makes economic sense at this target because complex KYC and ongoing compliance vary materially per client.", null]], "truncated": false, "filtered_table_rows_count": 4, "expanded_columns": [], "expandable_columns": [[{"column": "product_id", "other_table": "product", "other_column": "id"}, "name"]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "units": {}, "query": {"sql": "select id, product_id, feature_key, feature_value, note, source_page from product_feature where \"product_id\" = :p0 order by id limit 101", "params": {"p0": "relio:business_account"}}, "facet_results": {}, "suggested_facets": [{"name": "feature_key", "toggle_url": "http://api.bankproducts.info/bankproducts/product_feature.json?product_id=relio%3Abusiness_account&_facet=feature_key"}], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 12.53194099990651, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}