InassessingICOs,FINMAwillfocusontheeconomicfunctionandpurposeofthetokens(i.e.theblockchain-basedunits)issuedbytheICOorganiser.Thekeyfactorsaretheunderlyingpurposeofthetokensandwhethertheyarealreadytradeableortransferable.Atpresent,thereisnogenerallyrecognisedterminologyfortheclassificationoftokenseitherinSwitzerlandorinternationally.FINMAcategorisestokensintothreetypes,buthybridformsarepossible:

存款准备金率/金融机构必须将存款的FQgP部分缴存在中央银ULBt，这部分存款叫做4rFm款准备金；存款准0frO金占金融机构存款Ebxf额的比例则叫做存H7oq准备金率6QXM