# D4Next

> Agility Insurance Platform enabling open insurance on legacy systems

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Turin, Italy |
| Founded | 2020 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Seed |

## Overview

D4Next is an Italian insurance technology software vendor that provides a cloud-native agility platform for carriers, bancassurance institutions, and MGAs. The company targets insurance sector stakeholders seeking to modernize legacy core systems without full replacement, primarily in Italy and France.

The company offers YOGA, an AI-powered Agility Insurance Platform (AI-P) that sits as an integration layer on top of existing insurance core systems. The platform delivers new distribution channels, workflow automation, and AI-driven decision-making capabilities via SaaS and PaaS delivery models. YOGA connects to legacy policy, billing, and claims systems through REST APIs and supports open insurance ecosystem models including embedded insurance and partner marketplaces.

Founded in Turin in 2020 and incubated through the Campania NewSteel program -- a Growth Decree 2.0-certified Italian accelerator -- D4Next reports customers including Generali, Zurich, Unipol, DAS, Assimoco, and AmTrust. The company maintains offices in Milan and Paris alongside its Turin headquarters and holds ISO 27001 certification for information security management.

## Products & services

### YOGA \-\- Agility Insurance Platform \(AI\-P\)

YOGA is a cloud-native platform that functions as an agility layer on top of existing insurance core systems. It enables carriers and bancassurance clients to launch new products, open digital distribution channels, and automate workflows without replacing underlying legacy infrastructure.

**Key features:**

- AI\-powered underwriting, claims, and workflow automation
- Multi\-channel digital distribution including embedded insurance
- Rapid product configuration and launch without core system changes
- API\-based integration with legacy policy, billing, and claims platforms
- Open insurance ecosystem support for partner and marketplace models

*Target users:* Insurance carriers, bancassurance institutions, MGAs, brokers

### D4X \-\- Agility Layer

D4X refers to the underlying microservices architecture and API gateway technology that powers the YOGA platform. It provides the event-driven integration capabilities enabling carriers to connect the YOGA platform to their existing systems.

**Key features:**

- Microservices\-based architecture
- API gateway and event\-driven integration
- Legacy core system connectivity

*Target users:* IT teams at insurance carriers and bancassurance institutions

## Category & focus

- Subcategories: Open Insurance Platform, Legacy Modernization, AI Automation, Distribution Layer
- Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity
- Target customers: Carriers, Brokers, MGAs/MGUs

## Notable customers

- Generali Italia
- Zurich Italia
- Unipol / UnipolMove / UniSalute
- DAS
- Assimoco
- Arca Assicurazioni e Vita
- AmTrust
- BPER Banca
- Banco di Sardegna
- BCC
- Raiffeisen

## Links

- Website: <https://www.d4next.com>
- Directory profile: <https://insurtechlist.com/companies/d4next/>
- Linkedin: <https://www.linkedin.com/company/d4next-spa>
- Press/news: <https://www.insurzine.tv/d4next-una-yoga-platform-per-accelerare-levoluzione-digitale-delle-assicurazioni/>

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*Last updated: 2026\-06\-25*