Xaver and Upvest Partner to Enable End-to-end Digital Pension, Savings and Investment Solutions

Xaver and Upvest have teamed up to offer full-stack digital pension and investment infrastructure in Germany. The Xaver Upvest partnership empowers platforms to easily integrate savings solutions.

Xaver’s AI-native financial advisory and sales platform “Xaver One” provides autonomous AI financial advisors that engage customers across chat, voice, and avatar channels – delivering compliant, hyper-personalized advice and closing sales end-to-end. Concurrently, intelligent AI assistants empower human advisors by automating admin tasks as well as streamlining and enhancing compliance. Xaver’s Asset Management complements this with a fully automated infrastructure for real-time, secure, and efficient investment management. It enables clients to launch flexible and cost-efficient products that meet modern user expectations. ‍

Upvest, as Xaver’s partner for custody and brokerage, enables a turnkey solution for launching new pension, savings, and investment products. Financial institutions receive end-to-end infrastructure, including advice, onboarding, custody, portfolio management, and servicing, all accessible via APIs or white-label portals. Xaver decided to partner with Upvest for its API-first infrastructure, and proven scalability and regulatory robustness. Whether deploying a direct-to-consumer app or integrating within an existing advisor desktop, financial institutions can go live in weeks, not months.‍

Making investment and pension products accessible to everyone

Xaver Upvest partnership empowers financial institutions to launch a modular suite of modern pension and investment products with ultimate flexibility and cost efficiency, modern customer front end, advisor sales tools, and 24/7 AI financial advisor. These include state-of-the-art children’s depots designed to transition into Germany’s upcoming “Frühstart-Rente”, modern private pension products such as Xaver’s better pAV offering (“Depotrente”), flexible reinvestment products (“Wiederanlageprodukte”) for retirees, and wealth transfer solutions aimed at generational inheritance. Xaver is also the first German company to file as a provider for the Pan-European Personal Pension Product (PEPP), securing a first-mover advantage in cross-border markets with favourable regulatory frameworks.‍

Unlocking diversified portfolios: seamless access to public and private markets at scale

A key differentiator is the ability to seamlessly combine public and private market investments within one portfolio. With the help of Upvest’s investment infrastructure, regulated, low-cost ETFs, mutual funds, or bonds can be mixed with alternative assets (e.g. private equity or credit) in the same account. In total, Xaver enables access to more than 250,000 listed and private market instruments – while the selection of instruments offered to end users can be individualised for each partner. Xaver executes discretionary portfolio management for these hybrid portfolios, rebalancing automatically in response to market conditions, while most setups enable automated discretionary portfolio management at scale in segregated accounts.

Max Bachem, Co-founder and CEO at Xaver said: “At Xaver, we believe that everyone deserves access to high-quality financial advice and investment solutions – regardless of whether they interact via chat, voice, or in-person. Our technology delivers fully autonomous 24/7 advisors when needed, and best-in-class co-pilots for in-person advisors to help them deepen client relationships and work more efficiently. By combining our AI-native advisory platform and asset management with Upvest’s best-in-class infrastructure, we enable our partners to launch modern pension and investment offerings at record speed and scale – fully compliant, cost-efficient, and personalized.”

Martin Kassing, Co-founder and CEO at Upvest said: “At Upvest, we’ve built our investment infrastructure to be future-ready and fully capable of powering the next generation of AI-driven financial products. We believe that simplifying access to regulated investment products is key to modernizing pension offerings. Partnering with Xaver allows us to deliver a seamless, API-driven infrastructure that enables financial institutions to launch modern investment solutions quickly and securely. This collaboration accelerates the digital transformation of retirement savings, making it easier for everyone to invest for the future.” With this collaboration, the Xaver Upvest partnership aims to modernize pension savings across Europe through scalable, digital-first APIs.