Embedded pension provision for non-financial companies
Your brand, your reach, technology, product and operations from Xaver and regulated partners.
The reach is there, a workforce, a platform, members, customers, and so is the moment: starting a job, the payslip, starting a family. What is missing is everything that requires a licence.
Calculators and entry points are embedded into your app or portal and run under your brand; advice, completion, custody and allowance operations sit with Xaver and the connected regulated partners. Which role your company takes is settled per initiative, never promised in the abstract.
Scope the operating model in conversation: which role your company takes and which regulated partners that requires.
End-to-end: the Altersvorsorgedepot, the Frühstart-Rente and Riester comparison and switching in Helvetia's own brand, hybrid advice and completion journeys for self-service and personal advice, ODDO BHF Asset Management as investment partner. Start in two stages: pre-registration from October 2026, confirmation with one click from 1 January 2027. Media release of 7 October 2026.
An AVD partnership on the standard offering: Riester comparison and switching service, bridge products available and completion journeys for the Altersvorsorgedepot from January 2027, for the distributor's advisers in the adviser cockpit, without a product factory of their own.
Named are the partners whose own announcement is out. Where it is still to come, the case stands here without a name, with no figures that would point back to a partner. A selection, not the full list.
Pensions in your brand and your channels, ready in a few weeks.
The Altersvorsorgedepot and the Frühstart-Rente with the Kinderdepot are the ones most often embedded. All products at a glance →
What you can check before you talk to us.
- Xaver Asset Management GmbH, an investment firm (WpIG) since 2025. The regulated activity sits with Xaver and connected partners, not with you.
- Partnerships with ODDO BHF and Upvest.
- Advice in 50+ languages.
- Insurtech of the Year 2025.
- Xaver does not take on “the entire regulatory burden” in every setup. The precise licensing, advisory, liability and service scope depends on the operating model and on the regulated partners involved. Which role your company takes, reach only, intermediation or more, is clarified before the project, together with the regulated partners involved and your legal function. This page is not a commitment to any particular model.
What non-financial companies ask at this point.
Does Xaver take on the entire regulatory burden for us?+
No, not as a blanket statement. Xaver Asset Management GmbH is an investment firm supervised by BaFin (WpIG) and brings in further regulated partners, but the precise licensing, advisory, liability and service scope depends on the operating model. Which role your company takes is clarified before the project, together with your legal function.
Will our customers see that Xaver is behind it?+
The interface runs under your brand. Who appears as product provider, intermediary or custodian follows from the operating model and must be disclosed correctly and transparently in the contractual and mandatory information, that is a legal requirement, not a design choice.
How quickly can an offering be embedded?+
The offering is ready under your brand in a few weeks. The determining factor is usually not the technology but agreeing the operating model with the regulated partners involved.
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