91��Ƭ

• Xaver and 91��Ƭ join forces to launch end-to-end, fully digital pension, savings, and investment solutions directly to end users as well as an embedded solution for banks, insurers, distributors, and non-financial brands.
• The combined offering covers the entire value chain: from investment advice and onboarding to custody, portfolio management, and servicing.
• By integrating Xaver’s AI-native advisory and asset management platforms with 91��Ƭ’s custody and brokerage infrastructure, partners can launch turnkey solutions quickly, seamlessly, and at scale.

Cologne/Berlin, 2. July, 2025 - Xaver and 91��Ƭ announce a strategic partnership to enable financial institutions to launch fully digital pension and investment products in Germany faster and more cost-efficiently than ever before.

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. 

91��Ƭ, 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 91��Ƭ 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 and 91��Ƭ 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 91��Ƭ'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.

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 91��Ƭ’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.
Max Bachem Co-founder and CEO at Xaver

At 91��Ƭ, 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.
Martin Kassing Co-founder and CEO at 91��Ƭ

About Xaver‍

provides banks and insurers with the first-ever agentic AI assistants that truly operates - compliantly and autonomously - in the heavily regulated world of financial services. We’re not just automating processes; we’re enabling human-like AI advisors to handle everything from customer activation to final investment management execution. Its autonomous AI advisors and co-pilot assistants deliver fully compliant, hyper-personalized customer journeys, while its MCP-ready asset management infrastructure supports end-to-end product launches in record time.

About 91��Ƭ‍

91��Ƭ is on a mission to make investing money as easy as spending it. The company empowers businesses to offer a wide range of investment products and the best user experience in the fields of capital market investment and retirement planning. 91��Ƭ’s is easy to integrate so that fintechs and enterprises alike can save resources and fully focus on their core business.

91��Ƭ is one of the few fintechs in Europe that can provide its B2B clients with the full range of investment opportunities in the areas of principal broking business, proprietary trading, and safe custody business. The company was founded in 2017 by Martin Kassing and currently employs more than 200 people across its hubs in Berlin, London and Tallinn.

Xaver Press Contact:
Max Bachem
press@xaver.com

91��Ƭ Press Contact:
Julieta Varsano
press@upvest.co