Rental deposits that earn returns — invested in ETFs instead of locked in a bank
Swiss rental deposits (Mietkaution) sit in blocked bank accounts earning near-zero interest. This project proposes an alternative: invest the deposit in a diversified ETF portfolio while maintaining the legal security guarantee for landlords. Tenants earn market returns on money that's otherwise dead. Landlords keep their security through a regulated custody structure. The concept extends to other blocked capital like Säule 3a contributions used for home purchases.
Built by spsn — working in Swiss banking, frustrated by the inefficiency of Mietkautionskonten. Early stage, looking for co-builders with experience in Swiss tenancy law (OR Art. 257e), custody solutions, or ETF product design.
Concept developed after calculating that CHF 8+ billion sits in Swiss Mietkautionskonten earning effectively nothing. Researched the legal framework (OR Art. 257e requires deposits at a bank in the tenant's name with preferential interest), identified that the law doesn't prohibit investment vehicles as long as the capital guarantee and preferential claim structure is maintained. Prototyped a flow using existing neobank APIs and ETF platforms. Currently a concept deck and financial model — seeking technical co-founder to build the MVP.
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