product_feature

Data license: CC-BY-4.0 · Data source: bankproducts.info

3 rows where product_id = "yapeal:business_account"

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id ▼ product_id feature_key feature_value note source_page
yapeal:business_account:pf:art_1b_published YAPEAL Direkt Business Account (CHF) 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 Direkt Business Account (CHF) 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 Direkt Business Account (CHF) 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).  

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CREATE TABLE product_feature (
    id          TEXT PRIMARY KEY,
    product_id  TEXT NOT NULL REFERENCES product(id),
    feature_key TEXT NOT NULL,          -- withdrawal_limit_free, notice_period, daily_limit, monthly_limit,
                                        -- interest_late_payment, max_balance, included_services, ...
    feature_value TEXT,
    note        TEXT,
    source_page INTEGER
);
CREATE INDEX idx_product_feature_product ON product_feature(product_id);
CREATE INDEX idx_product_feature_key ON product_feature(feature_key);