Bivial AG Launches Full Mobile Dashboard for Global Business Banking

Bivial AG has transitioned its authentication app into a comprehensive mobile banking platform, granting business clients full access to account management, foreign exchange, and payment services on iOS and Android. For fintech professionals, this move highlights the ongoing shift from single-purpose security tools to integrated mobile-first dashboards for international corporate treasury management.

What was announced

Bivial AG, the Swiss fintech, has rebranded its "Bivial Authenticator" app to the "Bivial App." This update transforms what was previously a security tool for logins and payment approvals into a complete mobile version of the Bivial dashboard. The app is designed for business clients who require mobile access to their financial operations without the need for additional registration or new account setups.

Existing users can access the new features by updating their current app. The platform is fully integrated with the desktop dashboard, allowing users to switch between devices without interruption. Key functionalities include the ability to view balances across multiple currency accounts, share IBAN details, and execute international SWIFT or local payments to new and existing beneficiaries.

Furthermore, the app enables fund conversion between currency accounts using Bivial’s FX rates and provides real-time tracking for both incoming and outgoing transactions. Clients can also monitor their physical and virtual cards and manage spending directly from their smartphones. Security remains a core focus, with every sensitive action requiring confirmation via push notifications secured by Face ID, Touch ID, fingerprint, or a personal PIN, adhering to Swiss security standards. The updated Bivial App is available now on the App Store and Google Play.

The companies involved

Bivial AG is a Swiss-based fintech company that focuses on providing financial services to international businesses. The firm was formerly known as Klarpay AG, a name under which it established its initial presence in the digital banking and payments sector. Based in Switzerland, the company operates within a regulatory environment known for its stringent security and privacy standards, which Bivial leverages as a core part of its value proposition to global entrepreneurs.

The company’s leadership includes Christos Alatzidis, who serves as Co-Founder and CTO. Bivial’s product suite is tailored toward the needs of the digital economy, offering multi-currency accounts and payment solutions that bridge the gap between traditional banking and modern business requirements. By focusing on cross-border transactions and foreign exchange, Bivial positions itself as a specialized alternative to traditional retail banks for businesses with complex, international payment requirements. The company remains an independent entity without a disclosed parent company, maintaining its focus on the Swiss fintech ecosystem.

What FF News has reported before

FF News has tracked Bivial’s steady expansion of its service offering over the past year. In September 2024, the company significantly enhanced its hardware offering when Bivial AG Rolls Out Physical Visa Debit Cards, providing clients with tangible payment tools alongside their digital accounts. This followed closely on the heels of another major infrastructure update, where Bivial AG launches Instant 24/7 Swiss Franc (CHF) Payments, utilizing the Swiss National Bank’s SIC5 system. Earlier in the year, while still operating under its previous branding, the firm focused on its core demographic as Klarpay Launches Exclusive Entrepreneur Accounts, setting the stage for the broader ecosystem now available via the mobile app.

What this means

This move signals a consolidation phase in the business fintech market, where "security-first" apps are no longer sufficient as standalone products. By folding the full dashboard into an authentication app, Bivial is reducing friction for corporate treasurers who are increasingly mobile-dependent. This puts pressure on traditional Swiss private and commercial banks, which have historically been slower to provide high-velocity FX and payment tools on mobile platforms. The challenge for the sector now lies in maintaining "Swiss-grade" security without compromising the user experience, as the line between consumer-grade convenience and enterprise-grade security continues to blur for international business users.