Questions are answered before anyone opens a form.
By chat and by voice, around the clock, in more than 50 languages and with clear AI disclosure.
Platform · AI layer · 24/7 AI adviser & agentic commerce
Guidance and advice, around the clock.
Questions arrive around the clock; advice capacity does not. Our 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.
Why this module exists
Advice capacity around the clock, with no compromise on compliance.
01The partner's problem
Questions arrive around the clock; advice capacity does not. Somebody who does not understand a document in the evening waits for the next appointment, or stops asking.
02The Xaver mechanism
The AI layer sits across all six modules and works in the same four phases. Our 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. A personal adviser can be brought in at any time, working from the same data.
03The proof
The agent on this page is the real one, not a recording; it identifies itself as AI and speaks more than 50 languages. Agentic commerce is prepared as a demo; we do not claim business is completed through it today.
Talk to the live agentBenefits
What customers and advisers get out of it.
Guided through the whole journey, documentation included.
The AI adviser guides customers through the whole journey, explains every step and helps them decide. Suitability assessment and advice documentation run inside the journey, not afterwards.
A personal adviser on hand at any time, with no loss of context.
A personal adviser can be brought in at any time, working from the same data. Nothing is lost in the switch.
The recommendation is calculated by fixed rules, not by the language model.
Fixed rules from the MiFID II suitability assessment: every recommendation is traceable and auditable. Agentic commerce through external AI assistants is prepared, not switched on.
What it looks like
How the AI adviser works, from the conversation to the recommendation.
- 01The conversation's framing data
- 02Capture the existing Riester contract
- 03Circumstances and goals
- 04Cost and contribution status
- 05The record fills in alongside
AI conversation layer (AIC)
How a recommendation comes about.
- 01
Channels
Phone, chat, WhatsApp, ChatGPT and Claude: the customer picks the channel, the case stays the same.
- 02
AI conversation layer (AIC) · language model
Understands, asks back, explains, in natural language and in more than 50 languages. It leads the conversation; it decides nothing.
- 03
Recommendation · fixed rules under MiFID II
Product and portfolio recommendations are calculated by fixed rules from the suitability assessment, so the result can be traced and audited. Suitability assessment and advice documentation run inside the partner's journey.
Four checks before every recommendation
- Recommendations by fixed rules, not from the language model
- Suitability assessment and advice documentation inside the journey
- Every recommendation traceable and auditable
- A personal adviser on hand at any time, working from the same data
The AI adviser guides customers through the whole journey, explains every step and helps them decide.
What we can show today
Three demonstrations, no sales channel.
Voice agent with MCP access to the live portfolio
Over MCP the voice agent reads the customer's account in real time, positions, the next lifecycle adjustment, a pending rebalancing proposal, and answers in the conversation, through to booking an appointment with the adviser. A demo with sample values; the channel is prepared, not switched on as a sales route.
The advice record, automatically
Suitability check and advice record are produced inside the process, not after the conversation: what was asked, answered and recommended is there as a document before anyone signs.
Customer-service agent for a large corporate
A service agent under the company's brand answers service questions on the phone, books real appointments in the team's calendar and hands over with a summary of the conversation. Built as a demo on the same agent infrastructure as the AI adviser.
At a glance
An AI layer across every module: the AI adviser guides and explains, by chat and by voice, and recommendations are calculated by fixed rules.
What the module does
- Discover: answering questions before anyone opens a form, around the clock
- Advise: explaining the product and portfolio recommendation, suitability assessment and documentation inside the journey
- Complete: queries, documents, missing entries, completion itself stays in the journey
- Service: status questions, contribution changes, allowance matters, documents
- More than 50 languages, chat and voice, with clear AI disclosure
- Recommendations by fixed rules, not from the language model: every recommendation traceable and auditable
Try it live
Talk to it, instead of reading about it.
The Xaver AI adviser answers questions about the Altersvorsorgedepot, by voice or chat in the browser, or on either of the two numbers. The conversation widget is loaded only once you start it.
AI layer · live demo
Talk to the Xaver AI adviser.
The same AI adviser that works inside the journeys, here tuned to questions about the Altersvorsorgedepot (German pension deposit account). By voice or as a chat, in the browser or on the phone.
The AI adviser always identifies itself as AI.
Language
Example questions
Picking a question sets it aside as a suggestion; nothing is sent automatically. You speak or type it yourself.
Before you start
- You are talking to the Xaver AI adviser (demo). It answers questions and explains recommendations; personal advice with a suitability assessment takes place in the respective partner's advice journey. It always identifies itself as AI.
- “Start the conversation” loads the ElevenLabs widget (third party, USA). Your IP address and what you say or type go to ElevenLabs. Nothing loads before you click.
- Details in our privacy policy.
Starting loads the ElevenLabs voice assistant (script via unpkg.com) and sends your voice input to ElevenLabs. You agree to this by pressing the button. You can withdraw it at any time via “Cookie settings” in the footer. Privacy notice
Or call directly
Always disclosed
The AI adviser always identifies itself as AI. In chat and in a voice conversation alike. That is a principle, not a setting.
Personal and compliant
The AI adviser guides customers through the whole journey, explains every step and helps them decide. Suitability assessment and advice documentation run inside the journey.
A person on hand at any time
A personal adviser can be brought in at any time, working from the same data. Nothing is lost in the switch.
Agentic commerce
This is how Xaver looks inside ChatGPT and Claude.
A recording from an external AI assistant calling the Xaver tools, and next to it the diagram behind it: how that works, and where the boundary sits. The channel is prepared, not switched on.
- 1A custom connector is added in the assistant; the name and address of the Xaver MCP server are enough.
- 2A customer asks about the Altersvorsorgedepot; the assistant calls the Xaver tools and returns the answers phase by phase.
- 3The pension gap is calculated and returned in structured form, demo data, a fictional brand, nothing completed.
The arrows in the diagram run from the assistants through the server to the tools.
- What the server exposes
- Clearly bounded tools on the same data as the journeys: subsidy calculation, the Riester comparison, starting a journey and booking an appointment, described, versioned and machine-readable.
- What it never does
- No action without the user confirming it. Nothing completed without the journey and the suitability assessment. No recommendation from the assistant's language model: product and portfolio recommendations are calculated by fixed rules from the suitability assessment.
- Status
- A demo, channels in preparation. The recording was made against a fictional brand with demo data; whether and when an external assistant is released as a channel is for partners and supervisors to decide, not for us alone.
What that feels like
One request, four tools, one handover.
Derived from the recording and replayed with demo data: what the assistant asks, which Xaver tools it calls, and where the case moves into the journey. Nothing is completed here.
Simulated conversation · demo data
Customer
I'm 34, two children, and I have a Riester contract from 2009. What would the Altersvorsorgedepot do for me?
foerderung_berechnenAllowances in this example: €540 basic + 2 × €300 per child
AI adviser
In this example profile that is €1,140 of allowances a year. The pension gap here is around €740 a month; that is what the proposal works against.
Customer
And what do I do with the old contract?
riester_vergleichFour options, each rated with its rationale
AI adviser
Four routes are possible: carry on unchanged, keep the contract, make it paid-up, or transfer it. In this example profile the transfer comes out best. Whether that holds for you is for the advice to establish; I prepare the comparison.
Customer
Let's take that further, then.
strecke_startenCase created · all answers carried over
termin_buchenThree slots proposed
AI adviser
Your answers are in the journey, the suitability assessment and the documentation run there, with the people responsible for them. I have proposed three slots.
Continue in your personal journey
Questions
What partners ask at this point
Does the AI adviser give personal recommendations?+
It explains them. The personal recommendation is calculated by fixed rules from the MiFID II suitability assessment; the AI adviser explains it and answers questions. A personal adviser can be brought in at any time, working from the same data. The AI adviser always identifies itself as AI.
What does agentic commerce mean here?+
That the platform makes its offerings available, through open and controlled interfaces, in a form external AI assistants could pick up and pass on. Xaver is preparing that channel. We do not claim that business is being completed through it today.
Where does the conversation data sit?+
Conversations belong to the case and stay inside your process and your brand. Xaver Asset Management GmbH is an investment firm supervised by BaFin (WpIG), since 2025; Xaver Group is certified to ISO 27001. Detail on processing, hosting and subprocessors is provided on request.
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
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