Platform · module 04 · White-label financial products

A pension product of your own, without building it yourself.

Somebody else's standard product with your logo on it carries no distribution story of its own, and building one yourself ties up years. Here investment concept, cost, target market and documents are configured per partner and delivered under your brand, down to the key information documents.

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A comparison table of the three subsidised product variants, Altersvorsorgedepot, Standarddepot and guarantee product, by guarantee, cost, investment and suitability; below it the cards for who is eligible begin.

Why this module exists

Your product, not somebody else's with your logo.

01The partner's problem

Somebody else's standard product with your logo on it carries no distribution story of its own, and building a product yourself ties up years and a team most houses do not want to staff for this product class.

02The Xaver mechanism

Investment concept, cost model, target-market definition and documents are configurable per partner and settable independently of one another. The journey's brand, tone and imagery come out of that same configuration, which is why the preview below switches logo, colour and imagery live.

03The proof

The brand preview on this page shows the same journey in four brand worlds. A certified product and a branded journey are ready in a few weeks; how long it takes in a specific case depends on brand sign-off and administration systems on your side.

All product families

Benefits

What your brand gets out of it.

Every component can be set on its own.
Investment concept, cost model, target-market definition and documents are configured per partner, independently of one another, rather than putting a different logo on a standard shell.
Your brand reaches down to the key information documents.
The journey's brand, tone and imagery come out of the same configuration as the documents and carry your presence.
No lock-in to individual asset managers.
Which building blocks go into a portfolio is decided by the investment concept, not by a distribution agreement in the background.
Ready in a few weeks.
A certified product and a branded journey are ready in a few weeks; how long it takes in a specific case depends on brand sign-off and administration systems on your side.

What it looks like

What your customers get to see.

A tour of the product variants from the customer's view: the retirement account, the standard account and the guaranteed product side by side by guarantee, cost, investment and suitability, then who qualifies for the subsidy and the rules on tax, payout and what to do with an existing Riester contract.

Illustrative, shows the product variants from the customer's view, not the product configuration

01The three variants compared
02Guarantee, cost, investment
03Who qualifies for the subsidy
04Tax, payout, Riester

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The same journey

Under the partner's brand

Preview using fictional brands, not a customer reference.

XaverCockpit

Switching sessions18

Documents outstanding4

Completions this month11

Adviser cockpit, tile

“X Invest”, “Musterbank” and “Kölner Versicherung” are invented brands; their colours, corner radii and imagery are set for this preview. €540 and €300 are the statutory allowances, not a calculation for a specific case; the cockpit figures are example data.

At a glance

Investment concept, cost, target market and documents are configured per partner. Delivery is under your brand, down to the key information documents.

What the module does

Investment concept, cost model and target market configurable per partner
Documents under the partner's brand, down to the key information documents
Open architecture, no lock-in to individual asset managers
A certified product and a branded journey, ready in a few weeks

Questions

What partners ask at this point

What is the difference between this page and the product world?+

This page describes the capability: how a product is cut, certified, documented and delivered under your brand. The product world describes the result: which product families exist today and what they do.

Whose product is it in the end?+

Towards your customers it appears as yours: your brand, your tone of voice, your documents. Which regulatory roles Xaver, you and the connected regulated partners take on is agreed per partnership and set out contractually.

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