Question 1

What does Xaver actually offer, software or products?

Accepted Answer

Both, in one platform. Xaver provides the advice and distribution journeys and, behind them, the products together with regulated asset management, through Xaver Asset Management GmbH, an investment firm supervised by BaFin (WpIG). You can start with one part and add the rest later.

Question 2

Do I have to take all the modules?

Accepted Answer

No. Every module can be used on its own. Many partners start with the sales tools or the switching service and add product, investment backend and portals later. Because all the modules work on the same data, no second version of the truth appears along the way.

Question 3

Whose brand does the platform carry?

Accepted Answer

Yours. Journeys, portals, documents and the AI advice all carry the partner's presence. Xaver does not appear as the sender towards your customers unless you explicitly want it to.

Question 4

Does the AI adviser give personal recommendations?

Accepted Answer

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.

Question 5

Which products run on the platform?

Accepted Answer

The Altersvorsorgedepot, the Frühstart-Rente and children's account, reinvestment and payout plans, and wealth management. Occupational pensions are planned from 2027. The Kinderdepot is live; the state-subsidised Frühstart-Rente starts in January 2027; we are ready.

Question 6

Can I take out the Altersvorsorgedepot in 2026 already?

Accepted Answer

No, the start runs in two stages. From October 2026, advice, suitability assessment and product choice run as a pre-registration, not an application. In January 2027, customers confirm their choice with one click. Advisers work on the same data as the self-service journey, with no second data capture and no system switch.

Question 7

How long does implementation take?

Accepted Answer

A branded journey on the existing platform is ready to go in a few weeks. How long it takes in a specific case depends mostly on your side: brand sign-off, the administration systems to be connected, and internal approvals. In a first conversation we give you a defensible sequence rather than a blanket figure.

Question 8

Can I try the platform first?

Accepted Answer

Yes. The public calculators run with no sign-up. For the protected modules, the full subsidy comparison, the switching service, the adviser cockpit and the academy, we set up demo access, in your own brand world if you want it. The entry point is the demo portal.

Question 9

What is the commercial model?

Accepted Answer

Three components, combined individually: a setup fee for the workshop and implementation phase, an ongoing platform licence, and a fee on assets under management for the regulated asset management layer. There is no pilot/growth/enterprise table, every partnership is structured along distribution and target volume.

Answers for every role.