{"id":988852,"date":"2025-09-16T07:18:51","date_gmt":"2025-09-16T07:18:51","guid":{"rendered":"https:\/\/capiwell.ch\/?page_id=988852"},"modified":"2026-01-24T12:06:24","modified_gmt":"2026-01-24T12:06:24","slug":"la-strategie-de-tarification-et-de-risque","status":"publish","type":"page","link":"https:\/\/capiwell.ch\/fr\/comment-cela-fonctionne-t-il\/la-strategie-de-tarification-et-de-risque\/","title":{"rendered":"Strat\u00e9gie de tarification et de risque"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"988852\" class=\"elementor elementor-988852\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80fdcf2 e-flex e-con-boxed e-con e-parent\" data-id=\"80fdcf2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c35768e e-con-full e-flex e-con e-child\" data-id=\"c35768e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76f4c18 elementor-invisible animated-fast elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"76f4c18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nous visons \u00e0 nous diff\u00e9rencier par une strat\u00e9gie de prix distinctive et transparente appliqu\u00e9e \u00e0 l'ensemble du financement participatif. <\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Notre analyse indique que de nombreuses plateformes de financement participatif suisses manquent de clart\u00e9 dans leurs mod\u00e8les de tarification - souvent d\u00e9termin\u00e9s principalement par le risque sous-jacent, avec une visibilit\u00e9 limit\u00e9e sur la mani\u00e8re dont les frais sont structur\u00e9s. <\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\u00c9tant donn\u00e9 que notre plateforme regroupe plusieurs types d'opportunit\u00e9s d'investissement sous un m\u00eame toit, notre objectif est d'\u00e9tablir un cadre de tarification simple et transparent. <\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Cette approche est con\u00e7ue pour \u00eatre facilement comprise par tous les participants - investisseurs et \u00e9metteurs - et applicable \u00e0 tous les segments du paysage du financement participatif.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c511c76 e-flex e-con-boxed e-con e-parent\" data-id=\"c511c76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-38a9ddc e-flex e-con-boxed e-con e-child\" data-id=\"38a9ddc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4119807 elementor-invisible elementor-widget__width-initial animated-fast elementor-widget elementor-widget-heading\" data-id=\"4119807\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nos classes d'actifs et les niveaux de risque associ\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3725c8d elementor-widget elementor-widget-text-editor\" data-id=\"3725c8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nous proposons <\/span><b>trois cat\u00e9gories principales<\/b><span style=\"font-weight: 400;\"> de produits d'investissement, chacun con\u00e7u pour r\u00e9pondre aux diff\u00e9rents profils d'investisseurs et \u00e0 leur app\u00e9tit pour le risque :<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a282eb4 e-con-full animated-fast e-flex e-con e-child\" data-id=\"a282eb4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200}\">\n\t\t<div class=\"elementor-element elementor-element-c254558 elementor-invisible e-con-full animated-fast e-flex e-con e-child\" data-id=\"c254558\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-f1e38ca risk-chip elementor-widget elementor-widget-button\" data-id=\"f1e38ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Risque faible<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f01141 elementor-invisible e-con-full animated-fast e-flex e-con e-child\" data-id=\"2f01141\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-be4871d risk-chip elementor-widget elementor-widget-button\" data-id=\"be4871d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Risque mod\u00e9r\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e24be3 elementor-invisible e-con-full animated-fast e-flex e-con e-child\" data-id=\"1e24be3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-732304e risk-chip elementor-widget elementor-widget-button\" data-id=\"732304e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Risque \u00e9lev\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7f840b e-con-full animated-fast e-flex e-con e-child\" data-id=\"b7f840b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200}\">\n\t\t<div class=\"elementor-element elementor-element-7c5bec2 elementor-invisible e-con-full animated-fast e-flex e-con e-child\" data-id=\"7c5bec2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f89fcc3 elementor-widget elementor-widget-heading\" data-id=\"f89fcc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Instruments de dette garantie<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a64a27 elementor-widget elementor-widget-text-editor\" data-id=\"1a64a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00eats aux PME garantis par des hypoth\u00e8ques immobili\u00e8res et investissements dans des projets immobiliers par le biais de participations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9bbc50 elementor-widget elementor-widget-text-editor\" data-id=\"a9bbc50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Produits inclus :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-c551d30 elementor-icon-list--layout-traditional elementor-list-item-link-full_width vamtam-icon-bg-no vamtam-icon-bg-no elementor-widget elementor-widget-icon-list\" data-id=\"c551d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">PME Pr\u00eats garantis par une hypoth\u00e8que (immobilier)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Investissement dans l'immobilier r\u00e9sidentiel\/commercial via les fonds propres de l'entreprise<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prise de participation des PME dans des entreprises en phase de croissance avec promesse d'actions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-688f1f1 elementor-invisible e-con-full animated-fast e-flex e-con e-child\" data-id=\"688f1f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3e8fb elementor-widget elementor-widget-heading\" data-id=\"7c3e8fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit \u00e0 la consommation partiellement garanti<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11c2d87 elementor-widget elementor-widget-text-editor\" data-id=\"11c2d87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pr\u00eats priv\u00e9s garantis par une assurance facultative couvrant le d\u00e9c\u00e8s ou l'incapacit\u00e9 de travail.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-697417b elementor-widget elementor-widget-text-editor\" data-id=\"697417b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Produits inclus :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-cde6909 elementor-icon-list--layout-traditional elementor-list-item-link-full_width vamtam-icon-bg-no vamtam-icon-bg-no elementor-widget elementor-widget-icon-list\" data-id=\"cde6909\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00eats priv\u00e9s avec assurance facultative<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2101391 elementor-invisible e-con-full animated-fast e-flex e-con e-child\" data-id=\"2101391\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-256144b elementor-widget elementor-widget-heading\" data-id=\"256144b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Capitaux non garantis ou \u00e0 haut risque<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cf402f elementor-widget elementor-widget-text-editor\" data-id=\"2cf402f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pr\u00eats aux PME sans garantie et financement de l'innovation \u00e0 un stade pr\u00e9coce, y compris les op\u00e9rations li\u00e9es \u00e0 l'universit\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bcfab2 elementor-widget elementor-widget-text-editor\" data-id=\"4bcfab2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Produits inclus :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-d9f822b elementor-icon-list--layout-traditional elementor-list-item-link-full_width vamtam-icon-bg-no vamtam-icon-bg-no elementor-widget elementor-widget-icon-list\" data-id=\"d9f822b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00eats non garantis pour les PME<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc2e577 e-flex e-con-boxed e-con e-parent\" data-id=\"dc2e577\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1399490 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"1399490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2542c28 e-flex e-con-boxed e-con e-parent\" data-id=\"2542c28\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-561d302 elementor-widget elementor-widget-heading\" data-id=\"561d302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Garantie sous-jacent(e)<\/h5>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c8955b elementor-invisible animated-fast equal-height-row e-flex e-con-boxed e-con e-child\" data-id=\"6c8955b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f595377 elementor-invisible e-con-full animated-fast equal-box e-flex e-con e-child\" data-id=\"f595377\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:0,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-201b524 e-con-full equal-content e-flex e-con e-child\" data-id=\"201b524\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cbe4a2 elementor-widget elementor-widget-heading\" data-id=\"2cbe4a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Hypoth\u00e8que immobili\u00e8re ou parts de soci\u00e9t\u00e9 dans des SPV immobili\u00e8res<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-17c8196 elementor-icon-list--layout-traditional elementor-list-item-link-full_width vamtam-icon-bg-no vamtam-icon-bg-no elementor-widget elementor-widget-icon-list\" data-id=\"17c8196\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00eats garantis par des biens immobiliers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prise de participation avec garantie d'actifs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Actions en garantie<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a264dc elementor-invisible e-con-full animated-fast equal-box e-flex e-con e-child\" data-id=\"5a264dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:50,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ce462db e-con-full equal-content e-flex e-con e-child\" data-id=\"ce462db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-843215b elementor-widget elementor-widget-heading\" data-id=\"843215b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Police d'assurance facultative<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-91c18cc elementor-icon-list--layout-traditional elementor-list-item-link-full_width vamtam-icon-bg-no vamtam-icon-bg-no elementor-widget elementor-widget-icon-list\" data-id=\"91c18cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00eats garantis par des biens immobiliers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prise de participation avec garantie d'actifs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Actions en garantie<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6542686 elementor-invisible e-con-full animated-fast equal-box e-flex e-con e-child\" data-id=\"6542686\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:100,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-10c60c6 e-con-full equal-content e-flex e-con e-child\" data-id=\"10c60c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23f630f elementor-widget elementor-widget-heading\" data-id=\"23f630f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Pas de garantie tangible pour les investisseurs<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-46260b9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width vamtam-icon-bg-no vamtam-icon-bg-no elementor-widget elementor-widget-icon-list\" data-id=\"46260b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00eats garantis par des biens immobiliers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prise de participation avec garantie d'actifs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Actions en garantie<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b000b0f elementor-invisible animated-fast e-flex e-con-boxed e-con e-child\" data-id=\"b000b0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-542a18e e-con-full e-flex e-con e-child\" data-id=\"542a18e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e36efd elementor-widget elementor-widget-text-editor\" data-id=\"6e36efd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ces produits sont soigneusement structur\u00e9s en fonction de la nature de l'actif sous-jacent, de la garantie et du stade de l'investissement. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fe78ba elementor-widget elementor-widget-heading\" data-id=\"9fe78ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Nous utilisons cette classification pour orienter notre strat\u00e9gie de tarification.<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04f2c4a elementor-widget elementor-widget-text-editor\" data-id=\"04f2c4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span>Dans un premier temps, la liste de prix est mise \u00e0 la disposition exclusive des utilisateurs autoris\u00e9s et est communiqu\u00e9e sur une base individuelle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-713b6b5 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"713b6b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-54511f4 e-flex e-con-boxed e-con e-child\" data-id=\"54511f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cca3e1 elementor-invisible elementor-widget__width-initial animated-fast elementor-widget elementor-widget-heading\" data-id=\"5cca3e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Strat\u00e9gie de tarification bas\u00e9e sur le profile du risque appliqu\u00e9 \u00e0 un taux d'int\u00e9r\u00eat bas\u00e9 sur le risque \u00e9galement.<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3812dfe elementor-widget elementor-widget-html\" data-id=\"3812dfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"styled-table\">\r\n  <table>\r\n    <thead>\r\n      <tr>\r\n        <th>Type de produit<\/th>\r\n        <th>Profil de risque<\/th>\r\n        <th>Co\u00fbts pour l'emprunteur<\/th>\r\n        <th>Co\u00fbts pour l'investisseur<br><small>(Frais d\u00e9duits des remboursements - r\u00e9ductions bas\u00e9es sur le portefeuille)<\/small><\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n    <tbody>\r\n      <tr>\r\n        <td>Instruments de dette garantie<\/td>\r\n        <td class=\"low-risk\">Risque faible<\/td>\r\n        <td>1%<\/td>\r\n        <td>1%<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Cr\u00e9dit \u00e0 la consommation partiellement garanti<\/td>\r\n        <td class=\"moderate-risk\">Risque mod\u00e9r\u00e9<\/td>\r\n        <td>1.25%<\/td>\r\n        <td>1.25%<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Capitaux non garantis ou \u00e0 haut risque<\/td>\r\n        <td class=\"high-risk\">Risque \u00e9lev\u00e9<\/td>\r\n        <td>4.5%<\/td>\r\n        <td>2%<\/td>\r\n      <\/tr>\r\n    <\/tbody>\r\n  <\/table>\r\n<\/div>\r\n\r\n<style>\r\n\/* Table wrapper *\/\r\n.styled-table {\r\n  margin: 0px 0;\r\n  overflow-x: auto;\r\n}\r\n\r\n\/* Table *\/\r\n.styled-table table {\r\n  width: 100%;\r\n  table-layout: fixed; \/* \u2705 makes width work *\/\r\n  border-collapse: separate;\r\n  border-spacing: 0;\r\n  background: #ffffff;\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n  box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n  margin-bottom: 0px;\r\n}\r\n\r\n\/* Column widths *\/\r\n.styled-table thead th:nth-child(1),\r\n.styled-table tbody td:nth-child(1) {\r\n  width: 30%;\r\n}\r\n.styled-table thead th:nth-child(2),\r\n.styled-table tbody td:nth-child(2) {\r\n  width: 20%;\r\n}\r\n.styled-table thead th:nth-child(3),\r\n.styled-table tbody td:nth-child(3) {\r\n  width: 20%;\r\n}\r\n.styled-table thead th:nth-child(4),\r\n.styled-table tbody td:nth-child(4) {\r\n  width: 30%;\r\n}\r\n\r\n\/* Header *\/\r\n.styled-table thead th {\r\n  background: #0a0b0b;\r\n  color: #ffffff;\r\n  font-weight: 600;\r\n  padding: 15px;\r\n  text-align: left;\r\n  font-size: 15px;\r\n}\r\n\r\n.styled-table thead th small {\r\n  font-size: 12px;\r\n  color: #ddd;\r\n}\r\n\r\n\/* Table body *\/\r\n.styled-table tbody td {\r\n  padding: 15px;\r\n  border-bottom: 1px solid #eee;\r\n  font-size: 14px;\r\n  color: #0a0b0b;\r\n}\r\n\r\n\/* First column bold *\/\r\n.styled-table tbody td:first-child {\r\n  font-weight: 600;\r\n  color: #54565a;\r\n  background: #fafafa;\r\n}\r\n\r\n\/* Risk colors *\/\r\n.low-risk {\r\n  color: #fff !important;\r\n  font-weight: 600;\r\n  background-color: #38761d;\r\n}\r\n.moderate-risk {\r\n  color: #0a0b0b !important;\r\n  font-weight: 600;\r\n  background-color: #ffff00;\r\n}\r\n.high-risk {\r\n  color: #fff !important;\r\n  font-weight: 600;\r\n  background-color: #ff0000;\r\n}\r\n\r\n\/* Hover effect *\/\r\n.styled-table tbody tr:hover {\r\n  background: #54565a;\r\n  transition: 0.3s ease-in-out;\r\n}\r\n.styled-table tbody tr:hover td {\r\n  color: #ffffff;\r\n}\r\n.styled-table tbody tr:hover td:first-child {\r\n  font-weight: 600;\r\n  color: #ffffff;\r\n  background: #54565a;\r\n}\r\n\r\n\/* Responsive cards on mobile *\/\r\n@media (max-width: 768px) {\r\n  .styled-table table, \r\n  .styled-table thead, \r\n  .styled-table tbody, \r\n  .styled-table th, \r\n  .styled-table td, \r\n  .styled-table tr {\r\n    display: block;\r\n    width: 100%;\r\n  }\r\n\r\n  .styled-table thead {\r\n    display: none;\r\n  }\r\n\r\n  .styled-table tbody tr {\r\n    background: #ffffff;\r\n    margin-bottom: 15px;\r\n    border-radius: 8px;\r\n    box-shadow: 0 3px 8px rgba(0,0,0,0.08);\r\n    padding: 12px;\r\n  }\r\n\r\n  .styled-table tbody td {\r\n    display: flex;\r\n    justify-content: space-between;\r\n    align-items: center;\r\n    border: none;\r\n    padding: 10px 0;\r\n  }\r\n\r\n  .styled-table tbody td::before {\r\n    content: attr(data-label);\r\n    font-weight: 600;\r\n    color: #54565a;\r\n    flex-basis: 50%;\r\n    text-align: left;\r\n  }\r\n\r\n  \/* Add labels dynamically *\/\r\n  .styled-table tbody td:nth-child(1)::before { content: \"Product Type\"; }\r\n  .styled-table tbody td:nth-child(2)::before { content: \"Risk Profile\"; }\r\n  .styled-table tbody td:nth-child(3)::before { content: \"Borrower Side Costs\"; }\r\n  .styled-table tbody td:nth-child(4)::before { content: \"Investor Side Costs\"; }\r\n}\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-562ca1e elementor-invisible elementor-widget__width-initial animated-fast elementor-widget elementor-widget-heading\" data-id=\"562ca1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Des frais de traitement peuvent \u00eatre ajout\u00e9s dans des cas particuliers, pour un montant fixe.<\/h6>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>We aim to differentiate ourselves through a distinctive and transparent pricing strategy. Our analysis indicates that many Swiss investment platforms lack clarity in their pricing models &#8211; often driven primarily by underlying risk, with limited visibility into how fees are structured. Given that our platform consolidates multiple types of investment opportunities under one umbrella, our&#8230;<\/p>","protected":false},"author":2,"featured_media":989284,"parent":991728,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[],"class_list":["post-988852","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/988852","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/comments?post=988852"}],"version-history":[{"count":144,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/988852\/revisions"}],"predecessor-version":[{"id":991772,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/988852\/revisions\/991772"}],"up":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/991728"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/media\/989284"}],"wp:attachment":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/media?parent=988852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/categories?post=988852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}