Germany AllUnity Launches BaFin Regulated Swiss Franc Stablecoin

TLDR

• AllUnity launches CHFAU backed 1:1 by Swiss franc reserves
• CHFAU is regulated by BaFin as an e money token under MiCA
• The token debuts as an ERC 20 asset on Ethereum
• Institutional access begins via the AllUnity Mint Platform

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Germany’s AllUnity has launched a regulated stablecoin tied to the Swiss franc, a currency viewed by major banks as a safe haven. The new token, CHFAU, is backed 1:1 by Swiss franc reserves and is issued under Germany’s BaFin as an e money token.

The launch reflects rising institutional demand for compliant non dollar stablecoins. CHFAU debuts on Ethereum as an ERC 20 token and will expand to other blockchains later in 2026.

BaFin Regulated CHF Stablecoin Enters Market

AllUnity operates as a BaFin licensed E Money Institution and received its EMI license in July 2025. The company is backed by DWS, Flow Traders, and Galaxy Digital. DWS is the asset management arm of Deutsche Bank.

Under the European Union’s Markets in Crypto Assets Regulation, CHFAU is classified as an electronic money token. The reserves are held in segregated accounts and the token is redeemable at par value. This structure allows issuance across the European Union under a unified regulatory framework.

Alexander Höptner, CEO of AllUnity, said the launch was completed within months due to strong demand for a compliant digital Swiss franc. He stated, “The launch of CHFAU is a key step in our goal to create a regulated digital payments ecosystem in Europe.”

Focus on Institutional Payments and Treasury Use

CHFAU is initially available through the AllUnity Mint Platform. Access is limited to institutional and professional investors during the first phase. The token is designed for cross border payments, digital asset settlement, and corporate treasury operations.

AllUnity stated that the stablecoin supports real time transfers and liquidity management. The company aims to build a multi currency and multi chain digital money platform. It previously launched EURAU, a euro pegged stablecoin, in 2025.

The global stablecoin market has grown to about $310 billion in value. Dollar pegged tokens hold the largest share, while euro stablecoins have a market cap of about $895 million. AllUnity’s EURAU has reached a market value of about $1.2 million since launch.

Swiss Franc Gains Attention as Haven Currency

The launch comes as investor interest in Swiss franc assets increases. Major banks have expressed preference for the franc over the Japanese yen during periods of uncertainty.

Economist Robin Brooks wrote on X that Japan and Switzerland represent opposite fiscal positions. He described Switzerland as a “massive safe haven.” Morgan Stanley compared the Swiss franc to gold and projected a 17 percent rise against the US dollar.

Goldman Sachs and Bank of America have also shown bias toward the franc over the yen in past research notes. A stablecoin tied to the Swiss franc offers digital access to a currency viewed as stable and liquid.

Position in the CHF Stablecoin Segment

Several CHF pegged stablecoins already exist, including Frankencoin, VNX Swiss Franc, and Hedera Swiss Franc. Their combined market value is estimated between $38 million and $40 million.

CHFAU is presented as the first MiCA compliant Swiss franc stablecoin issued by a BaFin regulated entity. The framework requires transparency, reserve backing, and redemption rights. This may attract financial institutions operating within the European Union.

Retail access may expand after exchange listings are added. The initial rollout remains focused on infrastructure for professional market participants.

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