The OS for Financial Product sales
Win the AVD/FSR market shift with one operating system
The reform reshapes a ~€156bn market and unlocks large-scale switching dynamics.
Xaver helps you launch, distribute, and service AVD & FSR products -fast, compliant, and operationally scalable.
The reform reshapes a ~€156bn market and unlocks large-scale switching dynamics.
Xaver helps you launch, distribute, and service AVD & FSR products -fast, compliant, and operationally scalable.
The window is 2026, the market goes live from 2027
The window is 2026, the market goes live from 2027
The window is 2026, the market goes live from 2027
Winners align product + distribution now to be ready by Q3/Q4 2026 and capture switching momentum into 2027.
✓ New customer opportunity at scale (3–4m potential new customers p.a.)
✓ Switching becomes frictionless, including provider change (Riester → AVD)
✓ Up to ~€140bn in Riester assets become contestable
Winners align product + distribution now to be ready by Q3/Q4 2026 and capture switching momentum into 2027.
✓ New customer opportunity at scale (3–4m potential new customers p.a.)
✓ Switching becomes frictionless, including provider change (Riester → AVD)
✓ Up to ~€140bn in Riester assets become contestable
What Xaver offers for AVD & FSR -
core OS modules
What Xaver offers for AVD & FSR -
core OS modules
What Xaver offers for AVD & FSR -
core OS modules
Xaver combines the distribution layer and product layer so you can launch reform-ready offerings without rebuilding your stack.
Xaver combines the distribution layer and product layer so you can launch reform-ready offerings without rebuilding your stack.
Xaver combines the distribution layer and product layer so you can launch reform-ready offerings without rebuilding your stack.
Module A
Module A
Module A
Digital Tools & Calculators
Digital Tools & Calculators
Reform-specific tools that create demand, educate users, and convert interest into qualified applications - digitally and at scale.
Reform-specific tools that create demand, educate users, and convert interest into qualified applications - digitally and at scale.
Reform-specific tools that create demand, educate users, and convert interest into qualified applications - digitally and at scale.
Highlights
Highlights
Highlights
Pension gap, subsidy and switching calculators tailored to AVD/FSR
Lead qualification + routing into self-serve or advisor journeys
Fully brandable and embeddable across web, app and partner channels
Module B
Module B
Module B
Conversion-Strong Sales Journeys
Conversion-Strong Sales Journeys
End-to-end, compliant customer and advisor flows with seamless handover - so you can close fully digital or hybrid without friction.
End-to-end, compliant customer and advisor flows with seamless handover - so you can close fully digital or hybrid without friction.
End-to-end, compliant customer and advisor flows with seamless handover - so you can close fully digital or hybrid without friction.
Highlights
Highlights
Highlights
Self-serve onboarding + advisor-supported journeys in one setup
Compliance-by-design (disclosures, documentation, audit trail)
Omnichannel handover across web, branch, call center and broker networks
Module C
Module C
Module C
Riester → AVD Switching Service
Riester → AVD Switching Service
Riester → AVD Switching Service
A structured, audit-ready migration layer that turns legacy Riester contracts into scalable AVD switching flows - without paperwork chaos.
A structured, audit-ready migration layer that turns legacy Riester contracts into scalable AVD switching flows - without paperwork chaos.
A structured, audit-ready migration layer that turns legacy Riester contracts into scalable AVD switching flows - without paperwork chaos.
Highlights
Highlights
Highlights
Customer identification + eligibility and benefits calculation
Automated document generation and secure transfer coordination
End-to-end tracking, status transparency and audit-ready reporting
Module D
Module D
Module D
White-Label AVD & FSR Products
White-Label AVD & FSR Products
Reform-ready, partner-branded products built for scalable distribution -designed to be cost-efficient, transparent, and serviceable long-term.
Reform-ready, partner-branded products built for scalable distribution -designed to be cost-efficient, transparent, and serviceable long-term.
Reform-ready, partner-branded products built for scalable distribution -designed to be cost-efficient, transparent, and serviceable long-term.
Highlights
Highlights
Highlights
White-label setup: branding, pricing and product parameters per partner
Built for scale: low cost-to-serve and lifecycle servicing readiness
Optional portfolio frameworks (e.g., model portfolios) within a governed setup
Common Questions
Discover responses to common asked questions about our product and services.
GENERAL
TECHNICAL
SECURITY & COMPLIANCE
What is Xaver?
Xaver enables Financial Institutions to close Europe’s pension gap. By offering an advanced AI-driven B2B platform for sales of investment and life insurance products, Xaver enhances the operational and sales efficiency of banks, insurers, and brokers by up to 65% and introduces a new era of white-labeled private pension products.
How does the white-label option work?
The Xaver platform can be fully customized to your branding and requirements. Only a few things are required, such as a color code and existing logos. To integrate your products into Xaver.nova, we need, for example, product data sheets and existing terms and conditions
Which AI model powers your solution and how does it work?
Xaver utilizes advanced AI technologies specifically designed for the financial industry. Our model integrates Natural Language Processing (NLP) and Machine Learning to enable precise and personalized advice. It analyzes extensive customer data, regulatory requirements, and product information to deliver tailored recommendations in real-time. Acting as a "digital twin" of the customer, our AI supports advisors through intelligent co-pilots during consultations and hyper-personalized digital interfaces. This significantly enhances the efficiency and accuracy of sales and advisory processes.
Why should I choose Xaver?
Xaver revolutionizes the distribution of life insurance and private pension plans with an AI-powered platform that boosts the efficiency of banks, insurers, and brokers by up to 65%. Our solution offers:
- Innovative AI Technology: Tailored for the financial industry and fully GDPR-compliant.
- Efficiency Gains: Optimizes processes and saves advisors time, allowing them to focus on their clients.
- White-Label Products: Introduces modern retirement solutions like the Pan-European Personal Pension Product (PEPP).
- Experienced Team: Our leadership combines industry expertise, technological proficiency, and entrepreneurial vision. By choosing Xaver, you’re not only adopting a future-proof solution but also partnering with a company committed to closing Europe’s pension gap and ensuring your sustainable business success.
Common Questions
Discover responses to common asked questions about our product and services.
GENERAL
TECHNICAL
SECURITY & COMPLIANCE
What is Xaver?
Xaver enables Financial Institutions to close Europe’s pension gap. By offering an advanced AI-driven B2B platform for sales of investment and life insurance products, Xaver enhances the operational and sales efficiency of banks, insurers, and brokers by up to 65% and introduces a new era of white-labeled private pension products.
How does the white-label option work?
The Xaver platform can be fully customized to your branding and requirements. Only a few things are required, such as a color code and existing logos. To integrate your products into Xaver.nova, we need, for example, product data sheets and existing terms and conditions
Which AI model powers your solution and how does it work?
Xaver utilizes advanced AI technologies specifically designed for the financial industry. Our model integrates Natural Language Processing (NLP) and Machine Learning to enable precise and personalized advice. It analyzes extensive customer data, regulatory requirements, and product information to deliver tailored recommendations in real-time. Acting as a "digital twin" of the customer, our AI supports advisors through intelligent co-pilots during consultations and hyper-personalized digital interfaces. This significantly enhances the efficiency and accuracy of sales and advisory processes.
Why should I choose Xaver?
Xaver revolutionizes the distribution of life insurance and private pension plans with an AI-powered platform that boosts the efficiency of banks, insurers, and brokers by up to 65%. Our solution offers:
- Innovative AI Technology: Tailored for the financial industry and fully GDPR-compliant.
- Efficiency Gains: Optimizes processes and saves advisors time, allowing them to focus on their clients.
- White-Label Products: Introduces modern retirement solutions like the Pan-European Personal Pension Product (PEPP).
- Experienced Team: Our leadership combines industry expertise, technological proficiency, and entrepreneurial vision. By choosing Xaver, you’re not only adopting a future-proof solution but also partnering with a company committed to closing Europe’s pension gap and ensuring your sustainable business success.
Common Questions
Discover responses to common asked questions about our product and services.
GENERAL
TECHNICAL
SECURITY & COMPLIANCE
What is Xaver?
Xaver enables Financial Institutions to close Europe’s pension gap. By offering an advanced AI-driven B2B platform for sales of investment and life insurance products, Xaver enhances the operational and sales efficiency of banks, insurers, and brokers by up to 65% and introduces a new era of white-labeled private pension products.
How does the white-label option work?
The Xaver platform can be fully customized to your branding and requirements. Only a few things are required, such as a color code and existing logos. To integrate your products into Xaver.nova, we need, for example, product data sheets and existing terms and conditions
Which AI model powers your solution and how does it work?
Xaver utilizes advanced AI technologies specifically designed for the financial industry. Our model integrates Natural Language Processing (NLP) and Machine Learning to enable precise and personalized advice. It analyzes extensive customer data, regulatory requirements, and product information to deliver tailored recommendations in real-time. Acting as a "digital twin" of the customer, our AI supports advisors through intelligent co-pilots during consultations and hyper-personalized digital interfaces. This significantly enhances the efficiency and accuracy of sales and advisory processes.
Why should I choose Xaver?
Xaver revolutionizes the distribution of life insurance and private pension plans with an AI-powered platform that boosts the efficiency of banks, insurers, and brokers by up to 65%. Our solution offers:
- Innovative AI Technology: Tailored for the financial industry and fully GDPR-compliant.
- Efficiency Gains: Optimizes processes and saves advisors time, allowing them to focus on their clients.
- White-Label Products: Introduces modern retirement solutions like the Pan-European Personal Pension Product (PEPP).
- Experienced Team: Our leadership combines industry expertise, technological proficiency, and entrepreneurial vision. By choosing Xaver, you’re not only adopting a future-proof solution but also partnering with a company committed to closing Europe’s pension gap and ensuring your sustainable business success.
Common Questions
Discover responses to common asked questions about our product and services.
GENERAL
TECHNICAL
SECURITY & COMPLIANCE
What is Xaver?
Xaver enables Financial Institutions to close Europe’s pension gap. By offering an advanced AI-driven B2B platform for sales of investment and life insurance products, Xaver enhances the operational and sales efficiency of banks, insurers, and brokers by up to 65% and introduces a new era of white-labeled private pension products.
How does the white-label option work?
The Xaver platform can be fully customized to your branding and requirements. Only a few things are required, such as a color code and existing logos. To integrate your products into Xaver.nova, we need, for example, product data sheets and existing terms and conditions
Which AI model powers your solution and how does it work?
Xaver utilizes advanced AI technologies specifically designed for the financial industry. Our model integrates Natural Language Processing (NLP) and Machine Learning to enable precise and personalized advice. It analyzes extensive customer data, regulatory requirements, and product information to deliver tailored recommendations in real-time. Acting as a "digital twin" of the customer, our AI supports advisors through intelligent co-pilots during consultations and hyper-personalized digital interfaces. This significantly enhances the efficiency and accuracy of sales and advisory processes.
Why should I choose Xaver?
Xaver revolutionizes the distribution of life insurance and private pension plans with an AI-powered platform that boosts the efficiency of banks, insurers, and brokers by up to 65%. Our solution offers:
- Innovative AI Technology: Tailored for the financial industry and fully GDPR-compliant.
- Efficiency Gains: Optimizes processes and saves advisors time, allowing them to focus on their clients.
- White-Label Products: Introduces modern retirement solutions like the Pan-European Personal Pension Product (PEPP).
- Experienced Team: Our leadership combines industry expertise, technological proficiency, and entrepreneurial vision. By choosing Xaver, you’re not only adopting a future-proof solution but also partnering with a company committed to closing Europe’s pension gap and ensuring your sustainable business success.
Book your free demo today
Unlock your sales potential by letting the Xaver
AI work and save you hours of time and headaches.
Sign up to the newsletter to get our latest updates straight to your inbox
© 2026 Xaver. All rights reserved.
Proudly built by the Xaver team
Book your free demo today
Unlock your sales potential by letting the Xaver
AI work and save you hours of time and headaches.
Sign up to the newsletter to get our latest updates straight to your inbox
© 2026 Xaver. All rights reserved.
Proudly built by the Xaver team
Book your free demo today
Unlock your sales potential by letting the Xaver
AI work and save you hours of time and headaches.
Sign up to the newsletter to get our latest updates straight to your inbox
© 2026 Xaver. All rights reserved.
Proudly built by the Xaver team
Book your free demo today
Unlock your sales potential by letting the Xaver
AI work and save you hours of time and headaches.
Sign up to the newsletter to get our latest updates straight to your inbox
© 2026 Xaver. All rights reserved.
Proudly built by the Xaver team