Helvetia
Insurer
The platform for insurers, banks and distributors
The operating system for modern pensions.
The white-label infrastructure banks, insurers and distributors use to launch, sell and operate the Altersvorsorgedepot (AVD), the Frühstart-Rente and modern investment and reinvestment products. Including the Riester switching service and BaFin-regulated asset management.
With the founding team · no obligation
Explore Altersvorsorgedepot as a Service →JK
Adviser · live
Julia Klein
Handover in00:42
Subsidies · checked
€540
base allowance / year
up to €300 per childSample
9:41
Altersvorsorgedepot
Your subsidy
Completion journeyStep 3 of 6
Your subsidySample data
€540/ year
Base allowance, max. €540+ up to €300 per child
Start, route chosen
Advised, not express
Your profile
Risk & payout
Subsidy calculated
Base + child allowance
4
Investment strategy
Proposal ready
Xaver AI adviserlive
Next step: handover to your adviser.
Accept Adjust
DSGVO
Launch pension products fast and run them cost-efficiently
More advice and sales efficiency through AI-assisted hybrid distribution
Pension, investment and reinvestment products: individual to each client, flexible, cost-efficient
Customers & references
Partners who build on Xaver.
BCA AG and BfV Bank für Vermögen AGBroker pool
OVBFinancial distributor
die BayerischeInsurer- … and more partners, all references
“Our aim is to offer customers suitable options for long-term wealth building today, while laying the groundwork for the new subsidy landscape. With our investment solution, we make an early start in building wealth possible.”
Translated from German.
Why Xaver
Four advantages that make the difference.
01Go-live in 4–8 weeks
Genuinely end-to-end instead of a point solution, fully white-labelled
Activation, advice, completion, product, investment backend and portals from a single source, in your brand: one contract, one integration, one journey, go-live in 4–8 weeks.
See the proof →Adviser time per completion
Classic
100%
Hybrid
50%
Self-service with AI adviser
0%
Model illustration
02
More sales efficiency and capacity through hybrid distribution
Every Riester contract is an advice occasion in 2027: 75% of Riester customers want advice, 58% a personal conversation. Hybrid journeys, digital pre-qualification and AI preparation turn advice time into completions: up to 3× higher completion rate and up to 65% more sales efficiency.1
See the proof →
03
Individual products through Xaver Asset Management
Standard, Premium, guarantee or net tariff: product lines that fit your distribution, with open architecture and low-cost instruments, launched and managed by the regulated Xaver Asset Management GmbH.
See the proof →04
State-of-the-art technology, zero legacy, AI native, agentic-ready
A platform built in 2025/26 with no accumulated legacy: cost-efficient to run, API-first to integrate and prepared for agentic AI use cases.
See the proof →Platform
One platform.
Six modules, plus the AI layer.
For distribution, product and operations: singly or as a chain, under your brand.
See the modules in the demo portal →Sales tools & sales enablement
Six tools for distribution and the existing book: three run publicly, three inside the protected demo portal.
See the module →Product stills and recordings: real Xaver demo environment, sample data only.
Products
White-label products for every stage of life.
As a white label, an embedded solution or an integrated operating model.
Childhood & first steps
01For children and career starters.
Working life
02The years of building up, subsidised and unsubsidised.
Retirement
03What comes after maturity: reinvestment, drawdown, inheritance and gifting.
What every Xaver product shares.
Individualised Altersvorsorgedepots
Lifecycling per customer, not per cohort: one model per account.
Fast product launch
Configured per partner and adapted continuously to customer feedback.
Cost efficiency
One platform for every product family; fund costs from 0.05%.
Innovative, flexible products
ETFs and actively managed funds in one portfolio, with no lock-in.
AI-native investment backend
Xaver AMOS carries agentic use cases, internally and externally.
AI layer
Our AI conversation layer leads the conversation. The recommendation is calculated by fixed rules.
The AI adviser guides customers through the whole journey, explains every step and helps them decide.
For example
A click opens the assistant with the question as a suggestion; nothing is sent until you start the conversation.
Recommendations by fixed rules, explained by AI
ur AI conversation layer (AIC) leads the conversation and makes sure the language model never makes a recommendation itself: product and portfolio recommendations are calculated by fixed rules from the MiFID II suitability assessment, so every recommendation is traceable and auditable. Suitability assessment and advice documentation run inside the journey.
24/7 AI adviser
Chat and voice for customers and advisers, around the clock, across the whole journey and in more than 50 languages.
MCP connection: questions on the account and products answered in real time
Over MCP the AI adviser reads account and product data straight from the Xaver backend and answers follow-up questions in the conversation.
Agentic commerce: customers' AI agents talk to Xaver directlyprepared
Account, subsidy and switch with Xaver tools inside the customer's own AI assistant; Xaver manages the connection.
How we are preparing →
The AI adviser always identifies itself as AI. A personal adviser can be brought in at any time, working from the same data.
Regulatory framework in the Trust Center →Example use cases
Use cases are as individual as our partners.
ExampleInsurer
Turn your Riester book into AVD new business.
Defend the book, protect the balance sheet, Riester customers become AVD new business.
ExampleBroker pool
Every adviser an AVD expert, with co-pilot and journeys.
The switching wave reaches every intermediary organisation: ~15 million Riester contracts are ~15 million reasons for a conversation.
ExampleBank
Bring pensions where your customers already are: online banking.
Market entry without detours and without an insurance wrapper, in the branch and in digital distribution alike.
ExampleEmbedded finance
White-label Altersvorsorgedepot and Frühstart-Rente, without a licence of your own.
You bring the brand, the reach and the customer relationship; technology, product and operations come from Xaver and regulated partners.
A team with experience from leading finance and tech companies
Trust
Built for regulated pensions.
WpIG
Regulated asset management
ISO 27001
Xaver Group ISO 27001 certified
DORA
Resilience mapping
EU
Platform data hosted in the EU
In the press
- 7 October 2026Helvetia – Altersvorsorgedepot platform with ODDO BHF Asset Management and Xaver
- 1 October 2026BCA – BCA Xaver Altersvorsorgedepot powered by ODDO BHF Asset Management: ready early for the Altersvorsorgedepot 2027
- May 2026ODDO BHF – Strategic partnership for digital pensions and white-label AVD
Walk through your use case with us.
- We show you the modules that matter for your case
- With Max Bachem, founder & CEO
- No obligation, no preparation needed
Would you rather ask something first?