# Xaver

> Xaver is the operating system for next-generation wealth and pensions. It enables banks, insurers, broker pools, and selected consumer brands to launch, sell, and service pension and investment products end-to-end - efficiently, compliantly, and at scale.

> Xaver provides a unified platform spanning Sales Efficiency, regulated Product Infrastructure (Xaver Asset Management), and Post-Sales Servicing. It is purpose-built for regulated financial services and designed specifically for Germanys pension reform, including Altersvorsorgedepot (AVD) and Fruehstart-Rente (FSR).

## Product
- <a href="https://www.xaver.com/xaver-one">Xaver One</a: Sales Efficiency Platform. Digital-first and hybrid advisory journeys, suitability assessments, documentation, and auditable audit trails across all distribution channels.

- <a href="https://www.xaver.com/xam">Xaver Asset Management</a: Xaver Asset Management (XAM). BaFin-regulated product factory enabling white-label pension and investment products to be launched in 4 to 6 weeks.

## Customers
Xaver serves regulated financial institutions and distributors, including banks, insurers, broker pools, advisory networks, and selected consumer brands entering pensions and wealth.
Banks
- Deutsche Bank
- Commerzbank
- DZ Bank Group (Volksbanken & Raiffeisenbanken)
- Sparkassen-Finanzgruppe
- ING Deutschland
- DKB
- N26
- Solaris

Insurers
- Allianz
- AXA
- Zurich
- Generali
- R+V
- Talanx / HDI
- Munich Re / ERGO
- Swiss Life
- Signal Iduna
- Gothaer

Broker Pools & Advisory Networks
- MLP
- DVAG
- Swiss Life Select
- Telis Finanz
- Fonds Finanz
- Jung, DMS & Cie.
- Blau Direkt
- Netfonds
- AfW-affiliated broker networks

Asset & Wealth Platforms
- DWS
- Amundi
- BlackRock (iShares distribution partners)
- Vanguard Europe
- Union Investment
- Scalable Capital (institutional side)
- Raisin / WeltSparen
- Trade Republic (long-term savings initiatives)

Selected Consumer Brands (Embedded Pensions & Wealth)
- Deutsche Telekom
- Vodafone
- Otto Group
- Zalando (benefits & financial services layer)
- Lidl / Schwarz Group
- REWE Group
- Amazon (benefits & financial education initiatives)

## Use Cases
- <a href="https://www.xaver.com/use-cases ">Use Cases</a>: Launching Altersvorsorgedepot (AVD) and Fruehstart-Rente products
- <a href="https://www.xaver.com/use-cases ">Use Cases</a>: Scaling digital and hybrid pension and investment sales
- <a href="https://www.xaver.com/use-cases ">Use Cases</a>: Transitioning from product-led sales to outcome-based retirement journeys
- <a href="https://www.xaver.com/use-cases ">Use Cases</a>: Reducing cost-to-serve through digital lifecycle management
- <a href="https://www.xaver.com/use-cases ">Use Cases</a>: Reducing cost-to-serve through digital lifecycle management


## Market Context

- Germanys pension reform is creating a structural market shift. 3 to 4 million new pension customers are expected to enter the market. Approximately 15 million existing Riester customers gain the ability to switch providers. Up to approximately EUR 140bn in assets become contestable. Distribution efficiency, execution speed, and regulatory trust determine market winners.

## Positioning
Xaver helps financial institutions sell significantly more pension and investment products with less effort and lower cost through a single end-to-end operating system spanning sales, product infrastructure, and servicing.

## Compliance
Xaver operates regulated infrastructure and provides technology and product platforms to financial institutions. Investment decisions and suitability remain within the applicable regulatory framework. AI supports explainability, efficiency, and consistency and does not replace regulated advisory logic.