The Onvest SMART platform is designed to be accessible by virtually anyone with an asset, a strategy, or an idea worth structuring.
Whether you are a regulated asset manager seeking a faster route to market, a real estate developer looking to raise capital, or a collector wanting to unlock the value of a portfolio - Onvest provides the infrastructure to turn it into a bankable, investable product, efficiently and within weeks.
Across financial services, real assets, and the broader real economy, the same fundamental challenge recurs: turning illiquid, complex, or niche opportunities into instruments that investors can access through standard banking channels.
The gap between a compelling asset and capital market distribution has long been defined by complexity, cost, and institutional gatekeepers - Onvest exists to close that gap.
It is Onvest's vision to make that transformation available to every profile, at every scale - removing barriers that have historically made structured product issuance the exclusive domain of large institutions.
By combining regulatory expertise with proprietary structuring infrastructure, Onvest enables any organisation to participate on equal terms, with full transparency and a clear path from idea to issuance.
Finance
Asset Managers
Regulated managers seeking to package and distribute strategies as bankable, ISIN-listed certificates - with full execution flexibility and regulatory compliance built in.
Family Offices
Single and multi-family offices requiring bespoke, actively managed instruments to concentrate or diversify mandates - with full control over composition and risk.
Strategy Developers
Quantitative, systematic and discretionary traders who have developed a proven edge - and want to transform it into an investable product accessible to external capital.
AMCTrackerCLN
Real Assets
Real Estate Developers
Structure property development or investment projects as bankable instruments, accessing capital through CLNs backed by real estate cash flows.
Infrastructure Developers
Package infrastructure assets into structured notes, enabling capital-market access to finance expansion or refinance existing obligations.
CLNAMC
Real Economy
Entrepreneurs
Access structured financing without traditional bank complexity - Onvest handles issuance end-to-end, enabling fast capital-market access.
Art Collectors
Securitise fine art collections or single works into bankable instruments - enabling fractional ownership, liquidity, and institutional-grade distribution for otherwise illiquid assets.
Wine Dealers
Transform premium wine portfolios into structured certificates - providing collectors and traders with regulated access to the returns of fine wine without the complexities of physical ownership.
Classic Car Enthusiasts
Package classic and collector car portfolios into bankable securities - allowing investors to gain exposure to the classic car market through a regulated, ISIN-listed financial instrument.
AMCTrackerCLN
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Overview
Explaning what the SMART platform is.
SMART is a Swiss securitisation platform utilising the GenTwo structuring engine that lets promoters wrap any asset - bankable or not - into a regulated, Swiss ISIN structured product within weeks, at a fraction of conventional bank cost.
The sections below set out the core architecture: the off-balance-sheet risk model that protects investors from issuer credit risk, the three product types (AMC, CLN, Tracker), and the full spectrum of eligible asset classes from public equity to fine wine.
A five-step issuance workflow, transparent pricing, and a clear breakdown of promoter and investor benefits complete the picture - everything needed to evaluate and launch a structured product with Onvest.
Risk Architecture
No issuer risk. Full segregation.
Conventional structured products sit on the issuer's balance sheet, exposing investors to counterparty credit risk. SMART eliminates this entirely through a modular off-balance-sheet structure - assets are legally ring-fenced and the investor's claim is directly against the collateral, not the issuer.
SMART
Safe
Underlying assets held off-balance sheet in ring-fenced vehicle
No exposure to issuer insolvency or balance sheet events
Modular - each product is legally independent
Full transparency on underlying collateral at all times
Conventional Bank Issuance
Exposed
Products constitute the issuer's direct obligation
Investor exposed to issuer's financial health
Non-transparent - embedded in a complex institution
High monitoring burden for investors
Product Types
Three instruments. One platform.
All products issued through SMART are asset-backed securities carrying a Swiss ISIN, eligible for distribution to insitutional, professional and HNW/retail investors (Art 5, FinSA) via their existing bank connections.
AMC
Actively Managed Certificate
Actively Managed Certificate
A certificate that tracks a dynamically managed basket. The promoter retains full discretion over composition and rebalancing, enabling the packaging of any active strategy into a bankable instrument.
Full trading discretion for the promoter
NAV calculation and reporting to SIX Financial
Daily liquidity (subject to underlying)
Ideal for trading strategies and multi-asset mandates
CLN
Credit Linked Note
Credit Linked Note
A structured note linked to the creditworthiness of a reference entity. Enables capital-market access for project financing, real estate, infrastructure, and private debt structures.
Flexible reference asset (private debt, real estate, infrastructure)
Defined maturity and coupon structure
Suited for capital-raising and yield-enhancement
Non-bankable asset support included
Tracker
Tracker Certificate
Tracker Certificate
A static wrapper that replicates the performance of a fixed underlying without active rebalancing. The simplest and most cost-efficient securitisation format for defined exposures.
Fixed basket - no rebalancing required
Lowest operational overhead
Ideal for collectables, commodities, and static allocations
Transparent passthrough of underlying performance
Asset Classes
Bankable and non-bankable. Both Covered!
SMART is one of the few Swiss platforms capable of securitising both regulated financial instruments and physical or illiquid real-world assets within a single issuance framework.
Private EquityPrivate DebtReal EstateInfrastructureCommoditiesCollectablesArtAny Asset of Value
Asset class universe - illustrative mix
Bankable vs. Non-bankable - setup cost
Value Proposition
What you gain. What you accept.
SMART is designed for two stakeholder groups - the Promoter who issues the product, and the Investor who subscribes to it. Each group has a distinct set of benefits and constraints.
Promoter Benefits
Free Broker ChoiceRoute orders through any preferred execution venue - no captive relationship with an issuing bank.
Free Custodian ChoiceSegregate assets at the custodian of your choice - prime broker, Swiss bank, or specialist custodian.
Full TransparencyNo hidden wrapping or embedded cost structures. All cost fully disclosed in the product termsheet.
Simple Fee CollectionManagement fees and performance fees handled by FINMA-regulated paying agent. No manual invoicing.
Multiple Asset ClassesBankable and non-bankable assets in a single framework.
Restrictions
No public distribution
Investor Benefits
No Issuer Credit RiskAssets are held off-balance sheet. Investor's claim is directly against the collateral, not the issuer.
Higher Net ReturnsLower overhead cost directly improves the net performance delivered to the investor.
Easy to InvestAccessible via standard bank connection using the Swiss ISIN - no new account openings or special custody arrangements.
Access to Private and Illiquid AssetsGain regulated exposure to asset classes not normally available through standard bank offerings.
Daily LiquiditySubject to the liquidity of the underlying asset - liquid instruments provide next-day settlement.
Restrictions
Retail investors only by Opting-Out according to Art 5 FinSA
Setup Process
From idea to ISIN in five steps.
Onvest's proprietary infrastructure compresses the end-to-end issuance workflow - from mandate intake to live product - into a streamlined, digitally-managed process, typically completed within weeks rather than months.
01
Mandate Intake
Define the asset, product type, and target investor profile. Onvest classifies the asset as bankable or non-bankable.
02
Legal Documentation
Term sheets, issuance documentation, and investment memorandum prepared and reviewed by FINMA-regulated counterparties.
03
ISIN Assignment
Swiss ISIN (Code: CH) issued. Product listed and accessible via standard banking infrastructure for qualified investors.
04
Custody Setup
Custodian and broker selected by the promoter. Assets onboarded and ring-fenced in the segregated issuance vehicle.
05
Lifecycle Management
Ongoing NAV calculation, tax reporting, corporate actions, and fee collection handled by FINMA regulated counterparties.
Technology Infrastructure
API Access & Automated Trading
SMART is built on a fully digital, API-first infrastructure - enabling seamless integration with execution venues, prime brokers, and quantitative trading systems.
Broker & Exchange API
Direct connectivity to prime brokers and execution venues via REST and FIX protocols. Real-time order routing, position management, and execution confirmations without manual intervention.
REST APIFIX ProtocolWebSocket
Quantitative Strategy Integration
Native support for model-driven and rules-based strategies. Strategies can be deployed as code - enabling automated execution within defined mandate constraints.
PythonAlgo ExecutionRules Engine
Compliance & Risk Automation
Pre-trade compliance checks run automatically against mandate constraints before every execution. Position limits, concentration rules, and regulatory thresholds are enforced in real time - without manual oversight.
Pre-Trade ChecksRisk LimitsAudit Trail
Automated Trading Without Operational Overhead
SMART wraps quantitative and automated strategies in a fully regulated AMC structure - so execution, compliance, custody, and investor reporting are handled end-to-end. EAMs and asset managers retain full strategy control while eliminating the operational burden of running a fund.
Backtested strategies deployable directly into live AMC mandates
Automated rebalancing triggered by signal, schedule, or threshold
Execution via Interactive Brokers, and other connected prime brokers
Compliance pre-checks run automatically before each trade batch
Full audit trail and regulatory reporting generated without manual input
Multi-asset execution across equities, ETFs, futures, exchange-traded crypto, and structured products
Cost Advantage
Trading Fee Volume Discounts
Product sponsors and promoters benefit from volume-based trading fee discounts generated across the entire SMART family of products. Every discount is passed through 100% to the structured product - making the cost of execution through SMART uniquely competitive at every scale.
Shared Volume Pooling
All SMART products trade under a single institutional umbrella, aggregating volume across all promoters. This collective scale generates broker-tier discounts that no individual issuer - regardless of size - could negotiate independently.
Pooled VolumeInstitutional Rates
100% Pass-Through
Onvest retains no margin on trading fee rebates. Every volume discount earned flows directly into the product - reducing the all-in cost for promoters and investors alike, with full transparency on every rebate applied.
No Hidden MarginFull Transparency
Alternatives Become Uneconomical
At sufficient trading volume and AUM, the fee savings generated through SMART alone can make alternatives - own issuance platforms or bank-structured products - economically unviable by comparison.
vs. Own Platformvs. Bank Issuance
The Economics Work in Your Favour
Broker fees are usually tier-based - at startup volumes, the rates are rarely competitive. By being part of SMART, every promoter benefits from institutional-grade execution costs from day one, regardless of their individual product size. As trading volume and AUM grow and depending on the broker of choice, the monetary benefit of volume discounts alone can be sufficient to make any alternative structuring route economically uncompetitive.
Volume discounts scale with aggregate SMART AUM, not individual product size
Savings passed through in full - no Onvest margin on rebates
Institutional execution rates available from day one of issuance
At mid-to-high trading volumes, discounts can offset all structuring costs
Bank-issued structured products and proprietary platforms carry fixed overheads SMART does not
Full rebate accounting disclosed to every promoter on request
Pricing
Transparent. Highly competitive.
SMART pricing is structured as a one-time setup fee plus an annual maintenance cost - with no hidden charges, no minimum AUM thresholds for setup, and full broker and custodian freedom.
estimated saving vs. a conventional bank-issued structured product, across setup, maintenance, and trading costs.
Total cost consisting of structuring, life-cycle and discretionary asset management fee (if applicable), plus 1× AUM annual turnover at 0.15% (IBKR) vs. 0.5% (low-cost broker) vs. 1% (high-street bank).
Platform Advisor
Onvest AG - the company behind SMART.
Onvest AG established and operates the SMART platform, acting as the platform advisor, product manager and life-cycle administrator of some of the structured products structured through SMART. Onvest is a FINMA-regulated independent asset management firm.
Registered Address
Onvest AG Grosspeter Tower
Grosspeteranlage 29, 4052 Basel, Switzerland
Regulatory Oversight
FINMA, Bern OSFINcontrol AG, Zug
Multiple counterparties are FINMA-regulated or supervised by a body with comparable oversight.
Service Package
End-to-End Managed Service
Full structuring and life-cycle management service
Smart Alpha
Securitise Any Asset. Swiss-grade. Off-balance sheet.
SMART enables promoters to wrap any bankable or non-bankable asset into a regulated, Swiss-ISIN structured product, with full risk segregation and no issuer credit risk.
Swiss ISIN (CH)FINMA-regulated counterpartiesOff-balance sheetRetail investors only by Opting-Out according to Art 5 FinSA
Ready to securitise your asset?
Use the Solution Finder to identify the right issuance structure for your profile in under 3 minutes.
How We Work
Three pillars. One consistent standard.
Onvest Values are not aspirational statements - they are structural commitments. We act exclusively in the interest of our partners, with no hidden incentives. Every recommendation, every fee, and every decision is disclosed in full. Our alignment with clients is absolute, and our conduct is regulated by FINMA to the highest standards of Swiss financial law.
Onvest Expertise is built on over three decades of combined experience across asset management, technology, and structured products. We combine deep financial knowledge with hands-on programming capability - a rare pairing that underpins the SMART platform and enables us to design and deliver solutions only very few can replicate.
Onvest Strength lies in its proprietary, fully digital infrastructure. Built on top of the renowned GenTwo structuring engine and maintained entirely in-house, SMART compresses what traditionally takes months into weeks - automating every step of the structuring process. The result is institutional-grade structuring, accessible to every profile and scale.
Onvest Values
Fully Aligned with Partners
We act exclusively in the interest of our partners and clients. Our success is structurally tied to yours at every stage of the relationship.
Highest Customer Service
Direct access to senior professionals from first contact through full lifecycle. Every mandate is treated with the same level of care, responsiveness, and personalisation.
Ethics, Honesty & Transparency
Regulated by FINMA, committed to going beyond mere compliance. Every fee, every decision, every recommendation is disclosed fully and without ambiguity.
Partner AlignmentTransparencyFINMA
Onvest Expertise
Decade-Long Market Experience
Over three decades of combined experience in asset management, derivatives, equities, fixed income, and structured products - carrying institutional-grade judgement into every engagement.
Finance & Technology Knowledge
A rare combination of deep financial theory and technological expertise. This dual competency underpins SMART and enables us to build products only a few can replicate.
Strong Structuring Knowledge
From product design to legal documentation, ISIN assignment, issuer selection, and lifecycle management - Onvest together with GenTwo master the full structuring value chain across AMCs, CLNs, and Tracker Certificates.
30+ YearsQuant & CodeStructuring
Onvest Strength
Digital Processes & AI
The SMART platform digitises the entire structuring lifecycle - from mandate intake to issuance and reporting. AI-driven workflows eliminate operational risk across every process step.
Proprietary Infrastructure
Built and maintained entirely in-house - SMART is not a licensed or third-party system. Every module is purpose-built for structured product issuance using the underlying GenTwo structuring engine, giving Onvest full control.
Speed to Market
What traditionally takes months is compressed into weeks. Automated workflows, pre-approved issuer relationships, and digital documentation mean your product reaches market faster than any conventional route.
Full Lifecycle Management
SMART manages every stage of a product's life with only limited manual intervention.
AI-DrivenProprietaryWeeks not Months
Ready to find your solution?
Use the Solution Finder to identify the right Onvest structure for your profile in under 3 minutes.
Solution Finder Questionnaire
Who best describes you?
This helps us tailor the questions that follow.
Step 10%
Step - Profile
Asset Manager
Managing wealth for clients
Family Office
Managing wealth for one or more family
Strategy Developer
Managing a quantitative, systematic or discretionary investment or trading strategy
Real Estate Developer
Financing real-estate development or investment projects
Infrastructure Developer
Financing infrastructure development or investment projects
Entrepreneur
Accessing equity or debt to fund expansion or buy-outs
Collector
Holding a valuable collectible and seeking to unlock liquidity or investment exposure
Reseller
Distributing physical assets and looking to structure deal flow as an investable product
Other
Not sure yet - we will guide you
Step - Objective
What best describes your objective?
Select the option that best describes what you want to achieve.
Trading (Active)
Structure and distribute an active trading approach as an investable product
Investing (Passive)
Structure and distribute a passive investment approach as an investable product
Financing / Liquidity
Access capital or liquidity for a project, business, or asset through an investable product
Not Sure Yet
Explore what Onvest can offer - we'll guide you to the right structure
Step - Asset Class
What asset class or sector does your activity focus on?
Select all that apply.
Equities
Long/short equity, equity ETFs, equity funds
Derivatives
Options, futures, structured products
Commodities
Precious metals, energy, agricultural
Fixed Income
Treasuries, bonds, credit securities, loans
Real Estate
Real estate ETFs, funds, REITs
Real Assets
Real estate, infrastructure or a business
Digital Assets
Crypto, tokens, DeFi
Collectibles
Wine, art, cars
Other
Hedge funds, alternatives, or anything else
Step - Bankability
Can your underlying asset be held in a standard bank portfolio?
Bankable assets can be custodied at a regulated bank. Non-bankable assets require an alternative custody setup and incur an additional surcharge.
Yes - Bankable
The underlying asset can be held in a standard bank custody account (e.g. equities, bonds, funds, listed instruments)
No - Non-Bankable
The asset cannot be held at a standard bank (e.g. real estate, infrastructure, private equity, crypto, physical assets)
Step - Volume
What volume are you looking to structure or raise?
Onvest does not have a minimum structuring volume. The minimum annual structuring fees make very low volumes only economically justifiable if growth is anticipated.
CHF 1 – 5 Million
Initial launch volume
CHF 5 – 10 Million
Growing volume
CHF 10 – 15 Million
Established volume
CHF 15 – 20 Million
Significant volume
More than CHF 20 Million
Large-scale structuring
Less than CHF 1 Million
Early-stage or pilot tranche
Step - Track Record
Do you have a track record or proof of concept?
A track record is not required - but it significantly strengthens investor confidence.
New strategy or project - not yet traded or developed
Step - Investors
Who will invest or participate?
This determines regulatory requirements and distribution strategy. Select all that apply.
Institutional
Pension funds, banks, insurers
Professional / Retail (Opt-Out)
Regulated asset managers, family offices, eligible HNW and retail investors who opt out of retail protection
Retail (Opt-In)
Retail clients who do not opt-out according to Art. 5 FinSA
Family & Friends
Family and friends, peers
Not Yet Defined
Still evaluating the investor base
⚠ Not eligible for SMART products
Products structured via SMART are only available to institutional investors, professional investors, and retail investors who opt out according to Art. 5 FinSA. Standard retail clients without opt-out are not eligible.
Step - Horizon
What is your target investment horizon or product duration?
This helps determine the most suitable instrument and structure.
Open-ended
No fixed maturity - ongoing management
Less than 1 year
Short-term or bridge financing
1 – 3 years
Medium-term structured product
3 – 5 years
Longer-term project or strategy vehicle
More than 5 years
Long-duration vehicle or extended lifecycle
Step - Management
How is your strategy or project currently managed?
This shapes the technical setup and monitoring requirements.
Onvest acts as issuer and structurer - no license is required on your side, but this informs the contract design.
Not Regulated
SRO, industry associations or no oversight
CH Regulated
FINMA and AO or equivalent
EU / EEA regulated
MiFID II, AIFMD or equivalent
Other regulation
UK, US, offshore or other jurisdiction
Step - Services
Which services would you like Onvest AG to provide?
Indicate whether you wish to delegate discretionary asset management to Onvest AG, or manage the product yourself. Lifecycle / administration is always handled by Onvest AG.
Discretionary Asset Management
Onvest AG acts as your licensed discretionary asset manager on behalf of the product
Proceed without selecting to manage discretionary asset management yourself.
Step - Fee Template
Product Fee Template
Set the indicative fee parameters for your product. These values will be used to model your personalised fee illustration.
Target AUM
Management Fee
Performance Fee
Performance p.a.
Why we ask
Start the finder to see context
Each question helps us narrow down the most suitable product structure and fee model for your specific situation.
Implication of your answer
Your answers will shape the product recommendation and indicative pricing in the Offering tab.
Complete the Solution Finder to see your personalised offering
Answer the questions in the Solution Finder tab and we'll present the most suitable Onvest products and structures for your profile.