Report contents
Europe · Pioneer
Switzerland
Crypto Livability Index 2025·data to 31 Dec 2025
Scoreboard
Five pillars, then the 22 sub-pillars scored 0 to 4. Empty sub-scores are held out of the total, not zeroed.
The number behind the rank
| Raw capability score | 75 / 84 |
| P2P liquidity bonus (tie-breaker) | +0 |
| Inflation 1.1% · unbanked 2% · remittances 0.4% GDP · capital controls 0 · sanctions 0 | CNI 0.011 |
| Need multiplier | ×0.516 |
| Livability score | 0.461 |
Raw 75/84 = 0.893 capability. Crypto-Necessity Index 0.01, from five components: inflation 1.1% (three-year average 2023 to 2025), unbanked 2% of adults, remittances 0.4% of GDP, capital-control intensity 0.00 (KAOPEN 2023), sanctions exposure 0. Need multiplier ×0.52. Livability score 0.461, rank #29 of 79.
Three findings
The highest rails score on Earth, 75 of 84, and a perfect spending pillar
Switzerland is the only country at 20 of 20 on spending alongside a full 16 of 16 on access. It is also the only jurisdiction in the dataset with a universal crypto-to-fiat utility bridge embedded in the national invoice standard: Bitcoin Suisse Pay reads any Swiss QR-bill and settles it in BTC, ETH or stablecoins, covering all six bill categories at once. Not being in the EU, Switzerland carries a 4 on stablecoin access where EU members sit at a structural 3.
Lugano is a city where you can spend Bitcoin on a McDonald's, your taxes and your parking
The Plan B partnership has put roughly 360 to 400 merchants on crypto rails in a single city, from coffee shops to municipal services, and more than a third of residents use the MyLugano wallet. SPAR supermarkets began a nationwide direct-Bitcoin rollout in 2025. Where most of Europe counts ATMs in single digits, Switzerland runs 129 machines at 156 per million urban residents.
The number-one capability slides 28 places once need is priced in
Switzerland's Crypto-Necessity Index is 0.01, the lowest pressure imaginable: inflation 1.1%, 2% unbanked, no capital controls, no sanctions. The ×0.52 need multiplier carries it from rails #1 to livability #29. This is the index working exactly as designed: Switzerland built the best rails on the planet for a population that barely needs them.
In one line
"Switzerland proves that a country can perfect every rail crypto offers and still rank mid-table once you ask how badly its people actually need them. Capability is not necessity."
Watch in 2026
Trajectory 4/4, actively liberalising. FINMA (the Swiss Financial Market Supervisory Authority) issued its first DLT trading-facility licence to SIX Digital Exchange in early 2025 and published a digital-asset circular in February 2025 clarifying custody and settlement. A FINIG reform consultation is running, cantons continue to compete for blockchain firms, and CARF automatic crypto data exchange enters force from 2026.