# Xaver > AI\-powered B2B platform for life insurance and private pension distribution across Europe ## At a glance | Field | Value | | --- | --- | | Category | Distribution & Sales | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Cologne, Germany | | Founded | 2023 | | Stage | Growth | | Employees | 11-50 | | Funding | Pre-Seed | ## Overview Xaver is a distribution and sales technology platform for life insurance and private pension products, serving banks, insurers, and brokers across Europe. Founded in 2023, the company targets the European pension gap by enabling financial institutions to deploy AI-assisted advisory and sales workflows for complex long-term savings and protection products. The platform delivers AI-driven customer advisory through embedded digital funnels, automated consultation documentation compliant with IDD regulations, and integrated handoff to human advisors. Xaver's proprietary AI model, Nova, is trained specifically for financial services use cases and compliance requirements, combining natural language processing with personalized financial recommendations. The platform is deployed as a white-label SaaS solution integrated into existing banking and insurance systems. Xaver raised EUR 5M in a Pre-Seed round in March 2024 from Motive Ventures and Cavalry Ventures, with participation from 28 total investors including notable business angels from the German fintech ecosystem. The company has 34 employees and counts ING as a named customer, with additional European financial institutions in deployment. In Q1 2025, subsidiary Xaver Asset Management received a BaFin securities institute (Wertpapierinstitut) license, enabling regulated investment and retirement product distribution in Germany. ## Products & services ### Xaver Platform \(Core Advisory Solution\) A B2B platform enabling banks, insurers, and brokers to embed AI-driven financial advisors into customer journeys for life insurance and private pension products. The system delivers 24/7 AI advisory, automatically generates IDD-compliant consultation protocols, and connects prospects to human advisors via integrated "Call Me Now" functionality or digital completion flows. **Key features:** - AI\-driven, 24/7 customer advisory embedded in existing bank and insurer workflows - Automatic generation of IDD\-compliant consultation documentation - Integrated handoff to human advisors with warm lead transfer - White\-label deployment configurable for individual brand identity *Target users:* Banks, insurers, and financial distributors selling life insurance and private pension products ### Nova \(Proprietary AI Engine\) Xaver's proprietary AI model trained for financial services compliance and pension advisory use cases. Nova combines natural language processing and machine learning to deliver personalized financial recommendations while maintaining regulatory adherence. **Key features:** - NLP\-based conversational advisory for financial products - Personalized product recommendations calibrated to individual customer profiles - Regulatory compliance layer integrated throughout advisory interactions - AI co\-pilot functionality supporting human advisors during live consultations *Target users:* Financial advisors, insurers, and banks deploying AI\-assisted sales ### Xaver One \(AI Model Orchestrator\) A proprietary AI model orchestrator that manages secure, reliable, and compliant operations across all platform use cases, ensuring GDPR compliance and data privacy framework adherence. **Key features:** - Centralized AI orchestration across all platform modules - GDPR\-compliant data handling and security\-by\-design architecture - Ensures consistent regulatory compliance across all interactions *Target users:* Enterprise financial institutions requiring compliant AI deployment ### Xaver Asset Management \(Subsidiary\) Following BaFin regulatory approval as a Wertpapierinstitut (securities institute) in Q1 2025, Xaver Asset Management offers white-label investment and retirement solutions including access to private markets, institutional funds, ESG-compliant portfolios, and the Pan-European Pension Product (PEPP). **Key features:** - White\-label PEPP \(Europarente\) product for financial distributors - Access to private market and institutional fund offerings - ESG\-compliant portfolio options - Tax\-optimized insurance wrapper implementations *Target users:* Banks, insurers, and financial distributors seeking regulated pension and investment product offerings ## Category & focus - Subcategories: AI Advisory, Digital Pension Distribution, White\-Label Insurance Platform - Insurance verticals: Life & Annuity - Target customers: Carriers, Brokers ## Notable customers - ING \-\- AI\-native ING Financial Advisor deployed using Xaver technology ## Links - Website: - Directory profile: - About: - Linkedin: - Use cases: - Xaver one: - Asset manager: - Ing case study: --- *Last updated: 2026\-05\-18*