RED Magazine clearit Newsroom Magazines clearit clearit The latest edition of the Swiss quarterly professional journal for payments. Download clearit magazine as a PDF. In this edition: License to Pay Smartly. Yapeal CEO Thomas Hilgendorff about the regulatory challenges for the first Swiss start-up with a fintech license, strategic objectives and cool payment experiences. Consumer Spending Behavior in Real Times. Monitoring Consumption Switzerland provides insights. Cash Supply Rethought. Usage of paper money is sharply on the decline. This poses a challenge for banks in their operation of ATMs Liechtenstein’s Triangle. Having a currency treaty with Switzerland and being a member of the EEA at the same time presents regulatory and practical challenges for Liechtenstein. Digital Wallet for Liechtenstein. 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