Regulatory Clarity Fuels Swiss Bank's 15% Staking Yield on Polygon's RWA Platform

Swiss-regulated financial institution Amina Bank AG has launched a staking service for Polygon's native cryptocurrency, POL, offering an annual yield of up to 15% for investors. The initiative, announced in late 2025, positions Amina as one of the first Swiss banks to integrate blockchain-based staking solutions under the oversight of the Swiss Financial Market Supervisory Authority (FINMA) . The service is available exclusively to clients within Switzerland, as the bank adheres to strict cross-border restrictions outlined in its licensing framework .

The staking offering aligns with broader trends in the tokenized real-world asset (RWA) market, where Polygon has emerged as a dominant platform. As of September 2025, Polygon's PoS chain held over $1.13 billion in TVL for RWAs, including 62% of tokenized global bonds and 29% of tokenized U.S. T-Bills . Amina's entry into this space underscores the growing institutional interest in leveraging blockchain for traditional financial instruments, particularly as Polygon's "Rio" network upgrade enhances scalability .

Amina's staking product requires clients to delegate POL tokens to validator nodes, earning rewards in return for supporting network security. The 15% yield, while competitive, reflects Polygon's market dynamics, where staking rewards are influenced by factors such as network demand and validator performance. The bank emphasizes that the service is designed for clients with professional investment experience, as outlined in FINMA's Guideline 08/2023, which mandates asset segregation and transparency in staking activities .

Regulatory clarity in Switzerland has been a critical enabler for Amina's offering. Unlike the U.S., where the SEC's Howey test framework focuses on securities classification, Switzerland prioritizes asset protection and operational risk mitigation in staking services . Amina's compliance with FINMA's interim practice-requiring clear client instructions, asset allocation systems, and insolvency preparedness-ensures alignment with Swiss prudential standards .

The launch coincides with a surge in institutional adoption of RWAs, driven by Polygon's technical advancements and DeFi integration. Tokenized assets are increasingly used as collateral in lending protocols, transforming them into programmable financial instruments . Amina's staking solution, however, remains restricted to Swiss clients, reflecting FINMA's cautious approach to cross-border service distribution. The bank's website explicitly states that its products are not promoted outside Switzerland, with access for non-residents contingent on individual initiative .

For investors, the offering presents an opportunity to earn passive income while participating in a rapidly evolving market. However, risks such as smart contract vulnerabilities and market liquidity fluctuations remain relevant, as noted in broader DeFi analyses . Amina's focus on regulated staking contrasts with unregulated platforms, which often lack transparency and investor safeguards.

: Blockchair News Aggregator (https://blockchair.com/news/swiss-crypto-bank-amina-to-offer-polygons-pol-staking-with-up-to-15-rewards--41928fbb39)

: Cryptoinit (https://cryptoinit.com/comparing-crypto-staking-regulatory-frameworks-in-2025-the-us-and-switzerland-are-charting-their-own-paths-b.1362.html)

: Coinspeaker (https://cryptorank.io/news/feed/9ea6e-polygon-tops-rwa-rankings-1b-tokenized-assets)