Xaver
Boost sales, ensure compliance, personalize client interactions with AI.. [Contact for Pricing]
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What is Xaver?
Xaver is an AI-native operating system for next-generation wealth and pensions that 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. The platform combines a B2B2C sales platform (Xaver One) with a BaFin-regulated asset management product factory (Xaver Asset Management) to provide a unified solution spanning sales efficiency, regulated product infrastructure, and post-sales servicing.
Key features include 24/7 AI financial advisors available across voice, chat, mobile, and web channels; AI co-pilots that assist human advisors by automating admin tasks, documentation, and scheduling; hyper-personalized AI-generated customer journeys; suitability assessments with auditable audit trails; automated IDD-compliant consultation documentation through real-time transcription; white-label pension and investment products launchable in 4-6 weeks; and support for Germany's pension reform including Altersvorsorgedepot (AVD) and Frühstart-Rente (FSR). The platform offers 500+ ready-to-use integrations through its Connect Layer and is available in over 50 languages.
Xaver is specifically designed for regulated financial services institutions including banks (Deutsche Bank, Commerzbank, ING Deutschland, N26), insurers (Allianz, AXA, Zurich, Munich Re/ERGO), broker pools and advisory networks (MLP, DVAG, Swiss Life Select), asset management platforms (DWS, BlackRock/iShares, Vanguard Europe), and selected consumer brands entering pensions and wealth (Deutsche Telekom, Vodafone, Zalando). The platform boosts sales efficiency by up to 65% while ensuring full compliance with ISO 27001, GDPR, EU AI Act, BaFin regulations, and IDD requirements.
Xaver pricing
Pricing model: Freemium
Xaver operates on a B2B enterprise model with custom pricing not publicly disclosed on the website. The platform offers white-label pension and investment products with 45-75% lower all-in fees compared to incumbents. White-label products can be launched in 4-6 weeks. The website mentions a free demo is available for booking, and users can sign up for newsletter updates. Specific plan tiers, monthly/annual costs, and feature breakdowns by tier are not published - interested institutions must contact Xaver directly for pricing details through their sales team.
Xaver pros
- Boosts sales efficiency by up to 65% for financial institutions
- 24/7 AI financial advisors available across voice, chat, mobile, and web
- White-label pension products launchable in 4-6 weeks
- BaFin-regulated asset management with WpIG license (first PEPP filing Apr 2025)
- Fully GDPR-compliant and EU AI Act-aligned with ISO 27001 certification
- 500+ ready-to-use integrations through Connect Layer
- Automated IDD-compliant consultation documentation with real-time transcription
- AI co-pilots automate admin tasks, scheduling, and documentation for human advisors
- Hyper-personalized AI-generated customer journeys adapting to individual users
- Supports Germany's pension reform including AVD and Frühstart-Rente products
- 45-75% lower all-in fees compared to incumbents
- Available in over 50 languages for global audience
- Seamless handover from digital channels to personalized advisor consultations
- Autonomous AI portfolio rebalancing and tax-smart trade execution
- Multi-custodian setup with client assets ring-fenced at tier-1 banks
- Low-cost ETFs, mutual funds, bonds, and private equity/infrastructure access
- Stochastic simulation engine with Monte Carlo simulations for portfolio outcomes
Xaver cons
- B2B-only model - not available for direct consumer use
- Primarily focused on German/European pension market and regulations
- Requires integration with existing enterprise systems for full deployment
- Pricing details not publicly disclosed - enterprise custom pricing only
- Demo phone agent provided only for demonstration purposes, not production
- Complex implementation requiring discovery, pilot, and setup phases
- Geographic focus may limit applicability outside European regulatory framework
- Requires partner product data sheets and terms and conditions for white-label integration
Frequently asked questions about Xaver
What is Xaver?
Xaver enables Financial Institutions to close Europe's pension gap by offering an advanced AI-driven B2B platform for sales of investment and life insurance products. Xaver enhances the operational and sales efficiency of banks, insurers, and brokers by up to 65% and introduces a new era of white-labeled private pension products. It is the operating system for next-generation wealth and pensions, enabling institutions to launch, sell, and service pension and investment products end-to-end efficiently, compliantly, and at scale.
How does the white-label option work?
The Xaver platform can be fully customized to your branding and requirements. Only a few things are required, such as a color code and existing logos. To integrate your products into Xaver.nova, you need to provide product data sheets and existing terms and conditions. The platform is customized to align with your brand identity, providing a uniform experience across all digital touchpoints while adapting functionalities to meet customer expectations.
Which AI model powers your solution and how does it work?
Xaver utilizes advanced AI technologies specifically designed for the financial industry. The model integrates Natural Language Processing (NLP) and Machine Learning to enable precise and personalized advice. It analyzes extensive customer data, regulatory requirements, and product information to deliver tailored recommendations in real-time. Acting as a digital twin of the customer, the AI supports advisors through intelligent co-pilots during consultations and hyper-personalized digital interfaces, significantly enhancing the efficiency and accuracy of sales and advisory processes.
Why should I choose Xaver over other solutions?
Xaver revolutionizes the distribution of life insurance and private pension plans with an AI-powered platform that boosts efficiency of banks, insurers, and brokers by up to 65%. Key advantages include: Innovative AI Technology tailored for the financial industry and fully GDPR-compliant; Efficiency Gains that optimize processes and save advisors time; White-Label Products introducing modern retirement solutions like PEPP; and an Experienced Team combining industry expertise with technological proficiency. Xaver is committed to closing Europe's pension gap and ensuring sustainable business success.
What customers does Xaver serve?
Xaver serves regulated financial institutions and distributors including banks (Deutsche Bank, Commerzbank, ING Deutschland, N26, DKB), insurers (Allianz, AXA, Zurich, Generali, Munich Re/ERGO, Swiss Life), broker pools and advisory networks (MLP, DVAG, Swiss Life Select, Fonds Finanz), asset management platforms (DWS, BlackRock/iShares, Vanguard Europe, Amundi), and selected consumer brands entering pensions and wealth (Deutsche Telekom, Vodafone, Zalando, Otto Group).
What compliance certifications does Xaver have?
Xaver is fully compliant with ISO 27001, GDPR, and the EU AI Act. The platform holds a BaFin licence (WpIG) for its Asset Management division with the first PEPP filing in April 2025. The platform is 100% compliant with IDD (Insurance Distribution Directive), BaFin, and GDPR requirements. Built-in compliance includes automated audit trails, instant supervisory reporting, and GDPR- and EU AI Act-aligned guardrails baked into every workflow.
How quickly can I launch a pension product with Xaver?
Xaver enables partners to launch white-label pension and investment products in 4-6 weeks, which is significantly faster than traditional timelines that take quarters. The BaFin-regulated product factory (Xaver Asset Management) provides a modular catalogue of AI-native savings and retirement solutions that are plug-and-play for any bank, insurer, or financial distributor. This fast time-to-market allows institutions to quickly respond to Germany's pension reform and capture new market opportunities.
What channels does the AI advisor support?
The Xaver AI financial advisor is available 24/7 across all channels including voice, chat, mobile/web, and avatar. Customers can get instant, personalized pension advice through voice calls, text chat, mobile apps, or web interfaces. The platform supports seamless omnichannel experiences with consistent advisory quality whether customers interact digitally or through human advisors. The AI provides conversational guidance delivering premium-level advice with no minimums or extra fees.
What investment products and asset classes does Xaver support?
Xaver supports a wide selection of investment options including low-cost ETFs, mutual funds, and bonds from leading asset managers like Vanguard, Amundi, and BlackRock. The platform also enables seamless allocations to private equity, infrastructure, and alternatives (ELTIFs). Product variants include Pro (individual portfolios with ELTIFs), Active (actively managed portfolios with low-cost ETFs), and Green (ESG-focused). The platform offers full diversification in a single, segregated account with access to both public and private markets.
How does Xaver handle data security and customer privacy?
Xaver is purpose-built for the financial services industry with security-by-design principles, ensuring full compliance with data privacy and regulatory requirements. The platform and Xaver One have been developed with enterprise-level compliance and security. Client assets are ring-fenced at tier-1 banks through a multi-custodian setup. The platform features automated audit trails, instant supervisory reporting, and is easily adaptable to personal regulatory compliance framework needs while maintaining seamless deployment without compromising security.