KEYtec AG

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KEYtec AG

Swiss made cross border payment gateway KEYtec AG is not just another platform for international B2B payments.

Simply offering you a standard set of financial tools is not enough for us — we aim to anticipate and solve your unique business challenges. Forget about cookie-cutter services and hidden fees: we analyze and solve your business challenges as if they were our own. There's no room for anonymous bots or soulless algorithms here. Every transaction goes through the hands of our experts. Payments acros

s different continents are not a hurdle for us, but rather an opportunity to connect your business with global partners. With us, you are not just crossing borders, you are erasing them, making the world your commercial field.

28/03/2025

Understanding Dividend Tax Rates in Europe: Key Insights for Investors

Dividend taxation varies significantly across Europe, impacting investment decisions and corporate strategies. The latest data from the Tax Foundation, compiled by Cristina Enache, reveals a wide range of dividend tax rates across 35 European countries.

🔹 Highest Dividend Tax Rates:
Ireland – 51%
Denmark – 42%
United Kingdom – 39.35%
Norway - 37.84%
France - 34%

🔹 Lowest Dividend Tax Rates:
Bulgaria – 5%
Georgia – 5%
Greece – 5%
Moldova – 6%
Ukraine – 6.5%

🔹 Countries with No Dividend Tax:
Estonia – No dividend tax (20% corporate tax upon distribution)
Latvia – No dividend tax (20% corporate tax upon distribution)
Malta – No dividend tax (corporate tax offset at 35%)

🔹 Notable Updates:
📈 The Netherlands is increasing its dividend tax rate from 26.9% (2024) to 36% (2025).
📉 Slovakia adjusted its rate from 7% to 10% in 2024 but reverted to 7% in 2025.
💰 Spain increased its top dividend tax rate from 28 to 30 percent starting in 2025.

🔹 Comparison:
United States – Combined state and federal dividend tax rate of 28.73%.

📊 Average top dividend tax rate across 35 European countries: 20.53%.
– Ranked 17th with a dividend tax rate of 22.16%.

Full research: https://goo.su/6TRzK

26/03/2025

🌍✨ 2025: The Year of Bucket List Experiences 🎟️✈️

New Mastercard research reveals that two-thirds of Europeans are prioritizing unforgettable, once-in-a-lifetime experiences over material purchases this year. With a packed calendar of global events—from sporting championships and film festivals to music concerts and culinary adventures—consumers are choosing to invest in moments that truly matter.

💰 Spending with purpose

Experiences are becoming the ultimate investment. 32% of Europeans plan to spend over €1,000 on travel and tourism-related adventures, while others are cutting back on fashion, gadgets, and luxury items to make room for bucket list goals.

🚀 Gen Z is leading the charge

Younger generations are embracing adventure more than ever. Nearly half (48%) of Gen Z plan to tick off at least two dream experiences in 2025. The top motivations?
🔹 Creating lifelong memories (44%)
🔹 Seeing the world in a new way (36%)
🔹 Sharing special moments with loved ones (33%)

🎭 What’s trending in 2025?

The top experiences Europeans are prioritizing:
✔️ Travel & tourism (89%)
✔️ Outdoor adventures (80%)
✔️ Food experiences (79%)
✔️ Film festivals & cultural events (76%)
✔️ Live music & sports events (74%)

📉 Smart saving, smart spending

With this shift in priorities, consumers are becoming more strategic. 77% are actively hunting for deals before booking, and 76% are ensuring experiences fit within their budgets. Instead of impulsive spending, Europeans are making intentional choices to fund their dream adventures.

🏆 : Your Gateway to Priceless Moments

As a key partner of Europe’s biggest cultural and sports events, Mastercard offers exclusive access to UEFA Champions League, Roland Garros, Festival de Cannes, Berlinale Film Festival, League of Legends Championships, and many more. Whether it’s front-row seats at your favorite concert or a VIP film festival experience, Mastercard is making dream moments possible.

💳 KEYtec: Seamless Payments for Global Experiences

When it comes to hassle-free international payments, Swiss fintech KEYtec—a Trusted Mastercard Partner for corporate international payments —ensures your transactions are smooth and secure, so you can focus on making memories that last a lifetime.

By the way, we asked the AI to help with an image - this is how it sees a carefree and unforgettable vacation.

Full report: https://goo.su/dFWPFZP

18/03/2025

Family businesses: A powerhouse of global growth 🌍

The world’s 500 largest family businesses now generate $8.8T in revenue—a 10% increase from 2023—and employ 25M+ people across 44 jurisdictions. If they were a country, they’d be the third-largest economy in the world!

Key insights from the 2025 and University of St.Gallen Global 500 Family Business Index:

✅ 47% engaged in M&A in the last 2 years
✅ 34% have a legacy of 100+ years
✅ 85% have been operating for over 50 years

Where are these companies based?

👏 47% in Europe
💰 29% in North America
✍️ 18% in Asia

Retail leads as the top industry (20%), followed by consumer goods (19%) and advanced manufacturing (15%).

Despite global challenges, family businesses continue to grow—driven by long-term vision, agility, and strategic investments.

Read more on EY webpage: https://goo.su/unymy

03/03/2025

Hey everyone!

Spring is finally here! 🌸 The first workday of the season—let’s make it a good one. Time to say goodbye to winter vibes and bring in some fresh energy! 😃

One thing that never changes, though? The top-notch quality of our service and the rock-solid reliability of cross-border B2B payments at KEYtec. We’re always at our best—winter, spring, or zombie apocalypse.

Here’s what we offer:

✔ SEPA, SWIFT & other payment services
✔ Personalized 24/7 support (yes, even at 3 AM)
✔ Transactions in all major currencies (USD, CHF, EUR, GBP—you name it!)
✔ Consideration of complex deals

Sign up on our website keytec.ch, and our awesome managers will reach out to you! 🚀

P.S. Well, and this is how AI sees the first workday of spring! 😄🎨

30/01/2025

Hello everyone!

It’s been a while since we talked about KEYtec’s partnership opportunities for companies that can introduce new clients to us.

We are happy to offer our agents a top-tier payment service built on years of experience, combined with Swiss reliability and precision.

By partnering with us, you will benefit from:
✅ Flexible and competitive agency agreements & commissions
✅ Support for complex cases
✅ 24/7 assistance for you and your clients
✅ Seamless client onboarding

Your clients will have access to:
💳 Cross-border payments ( , , and more)
💱 A wide range of currencies for payments and conversion (USD, CHF, EUR, AED, GBP, etc.)
🕘 Dedicated 24/7 manager support
🇨🇭 Premium Swiss service and reliability at every step

At , we provide a premium experience for every client, which is why there are no limits on the number of clients a partner can bring.

📣 Who can become an agent?

Almost any company that serves corporate clients, including:
✔ Family offices
✔ Legal & financial consultants
✔ Asset management firms
✔ Company registration firms
✔ Business migration service providers and more

📌 Find out more about becoming our agent and explore client case studies: https://keytec.ch/partners/

24/01/2025

The US Dollar strengthens its dominance in international payments 💵

According to , the share of international payments in USD through the system reached 49.12% in December (up from 47.68% in November). Excluding the Eurozone, this figure rises to 60.08%.

The holds second place with 21.74%, though outside the Eurozone, it drops to 12.83%. The British Pound secures third place with 6.94%, while the Chinese Yuan slightly decreased its share from 3.89% to 3.75%. The Japanese Yen follows in fifth place at 3.5%.

The Swiss Franc accounts for around 1% of global trade via SWIFT, but its share increases to 1.81% outside the Eurozone.

Interestingly, the dominance of the is even greater in the trade finance market, where it represents 81.89% of transactions. The Euro comes second (6.5%), followed by the Yuan (5.98%), the Yen (1.37%), and the Saudi Riyal (0.86%).

The full report is available on the SWIFT website: https://www.swift.com/products/renminbi-tracker/document-centre

Did you know? 🤔

Before SWIFT, international payments were... sent via telegraph and cable lines! 📡

Banks exchanged financial instructions manually using telex, which was slow, expensive, and prone to errors. They also relied heavily on correspondent accounts between banks, and sometimes even sent physical checks and bills of exchange. 💸

The launch of SWIFT in 1973 was a game-changer: it introduced standardization, speed, and security to cross-border payments! 🌍

AG is a Swiss company enabling international B2B in multiple currencies via SWIFT and other systems, including Business Payments and SEPA. Swiss service and reliability for your business.

15/01/2025

Venture Capital Resilience in 2024: A Year of Growth Amid Challenges

📣 The global VC market demonstrated remarkable strength in 2024, with investments rising to $368.3 billion despite geopolitical tensions, global conflicts, and an IPO slowdown, according to the Private Enterprise Venture Pulse Q4’24 report.

🔑 Key Highlights:

🔹 The US reached $209 billion in VC funding—its third-highest total in 20 years.
🔹 The Asia-Pacific region saw VC investment drop to a nine-year low of $78.8 billion.
🔹 Global VC investment in Q4’24 hit $108.6 billion, the best quarter since Q2’22.
🔹 AI startups dominate: Five US-based AI companies raised a staggering $32.2 billion in Q4’24.

AI continued to be a driving force behind VC growth, with major investments into Databricks ($10 billion), OpenAI ($6.6 billion), and Anthropic ($4 billion), among others.

As 2025 approaches, optimism is building for a resurgence in the IPO market, with AI, cybersecurity, and biotech leading the way.

🤗 Tailored Payment Solutions for Businesses Across Sectors

As a Swiss-based payment company specializing in multi-currency, cross-border transactions, KEYtec AG leverages systems such as SEPA, SWIFT, and others to deliver tailored solutions. Whether you're an AI startup, an established IT firm, or a business in any other industry, we’ll help you find the most efficient and cost-effective way to manage your global payments.

24/12/2024

🎄✨ Merry Christmas! ✨🎄

Dear friends,

This holiday season, we wish you cozy evenings, warm hearts, and a holiday filled with joy and laughter. 🎁✨

From all of us at KEYtec, may your celebrations sparkle as brightly as the Christmas lights—and bring moments of love, peace, and just the right touch of festive mischief! 🎅🎄

P.S. May your days be merry, your transactions smooth, and your holiday spirit overflowing with joy! 💳✨

20/12/2024

With just four days left until Christmas, the festive spirit is in full swing! While holiday traditions often center around family gatherings and celebrations, Switzerland brings a unique touch by incorporating financial customs into its seasonal festivities. From thoughtful saving plans to symbolic gifts of gold, these practices reflect the Swiss blend of prudence and generosity. Let’s explore some of the most interesting money-related traditions in Switzerland:

1. Christmas Savings Accounts

Many Swiss plan their holiday expenses by saving throughout the year in specialized accounts. Some Swiss banks offer "Christmas Savings Accounts," designed to help clients accumulate funds for holiday gifts and celebrations with preferential interest rates and no management fees. This strategy highlights the Swiss commitment to thoughtful financial planning.

2. Charitable Giving During the Festive Season

The spirit of giving is a core part of Swiss Christmas culture. According to Reddit users, initiatives like "2x Weihnachten" ("Two Times Christmas") are highly popular. This campaign collects donations and goods for people in need, showcasing the country’s focus on community and generosity during the holidays.

3. Gifting Gold Coins

Gifting gold remains a timeless Christmas tradition in Switzerland, symbolizing wealth and prosperity. Festive gold bars, such as those with the inscription "Frohe Festtage" (Happy Holidays), combine beauty with tangible value. Such gifts serve as both meaningful gestures and financial investments, making them especially popular during the season.

4. Christmas Shopping and Sales

As reported by EY, Swiss consumers maintain consistent spending on Christmas gifts while increasingly preferring local shopping. Retailers respond with discounts and promotions, allowing Swiss shoppers to celebrate the holidays joyfully yet responsibly, in line with their reputation for financial prudence.

KEYtec wishes you a Merry Christmas and a Happy New Year (but don’t worry – this won’t be our last pre-Christmas post😂)!

10/12/2024

💰From the world of money. Big money...

Dominican baseball player Juan Soto has signed a record-breaking contract in the history of global sports. The 26-year-old athlete agreed to a 15-year deal with the MLB club New York Mets for a total of $765 million.

Before Soto, the overall record was held by another baseball player—Japanese star Shohei Ohtani. His contract with the Los Angeles Dodgers was worth $700 million over 10 years.

By the way, we’d be delighted to handle payment processing for professional and amateur sports teams (and beyond). We’ll keep the flow dynamic. 😉

22/11/2024

💡 Key Insights from PwC on the Future of Asset & Wealth Management:

📈 AI as the Game-Changer

✔️ 73% see AI as the most transformational technology in the next 2–3 years.
✔️ "Tech-as-a-service" could boost revenues by 12% by 2028.

🌍 Global Assets Under Management (AUM) Growth

✔️ AUM projected to reach $171 trillion by 2028 (5.9% CAGR).
✔️ Alternatives to grow even faster – 6.7% CAGR, hitting $27.6 trillion.

💡 Tokenisation: A Step Toward Democratising Finance

✔️ Tokenised funds expected to surge from $40 billion to $317 billion by 2028 (51% CAGR).

🤝 Strategic Partnerships and Consolidation

✔️ 81% of firms are planning M&A or partnerships to build tech ecosystems.
✔️ 30% face a talent shortage, with access to expertise the top driver for deals over the next few years.

📌 Takeaway: Innovation, technology, and new investment formats are reshaping the industry. Early adopters of transformation will gain a competitive edge.

📖 Based on materials

11/11/2024

Moving Closer to Expanding Membership with Montenegro and Albania by 2027

Exciting news from the EU: and may be on track to wrap up their membership talks by 2026 and 2027! 🌍✨

At a recent European Parliament hearing, there was a strong push to speed up the process, focusing on clear reforms and commitments. This could be the first real chance in years to bring new countries closer to joining the EU.

Montenegro has already reopened all negotiation chapters, while Albania recently launched its membership discussions. There’s also a commitment to stability and respect for all EU agreements in the region—no plans for territorial changes between Kosovo and Serbia, for example.

The EU is ready for the next steps in expansion. Let's watch how this develops!

Adresse

Landis + Gyr-Strasse 1
Zug
6300

Telefon

+41415050707

Webseite

https://keytec.ch/

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