id,product_id,feature_key,feature_value,note,source_page
yapeal:business_account:pf:art_1b_published,yapeal:business_account,pricing_condition,Art. 1b BankG licence with full published schedule,"First DB entity to demonstrate that the FINMA Art. 1b licence does not by itself imply tailored pricing. Compare Relio AG (PR #95, same licence, is_tailored=1 across all products). Atom #279 follow-up: licence type is orthogonal to pricing-posture choice.",
yapeal:business_account:pf:no_esisuisse,yapeal:business_account,safety_disclosure,Einlagensicherung nach Art. 7a BankV nicht gewaehrleistet,"Verbatim from yapeal.ch: ""Hinweis: Einlagensicherung nach Art. 7a BankV ist nicht gewaehrleistet."" Standard Art. 1b disclosure: esisuisse CHF 100k coverage does not apply. Customer protection comes from segregated SNB custody, not deposit insurance.",
yapeal:business_account:pf:snb_custody,yapeal:business_account,safety_disclosure,CHF deposits held at segregated Schweizerische Nationalbank (SNB) account,"Verbatim from yapeal.ch: ""YAPEAL verwahrt deine Einlagen in Schweizer Franken auf einem getrennten Konto bei der Schweizerischen Nationalbank (SNB)."" This is structurally unusual for an Art. 1b entity — most fintech-licence holders use a commercial custodian bank. Direct SNB custody is a stronger structural protection than commercial-bank custody (the SNB cannot itself become insolvent in CHF terms).",