Xaver's current activities associated with his Bafin license
Xaver, a Cologne-based fintech company, has made significant strides in the financial sector, having secured a BaFin license as a securities institution and successfully completing a five-million-euro financing round with prominent investors.
At the helm of Xaver is Max Bachem, the company's CEO. Bachem, along with the founding team of former managers from fintechs Coya and Hypoport, has set its sights on expanding Xaver's reach in the financial industry.
Xaver is eyeing banks, insurers, and financial distributors as potential customers for its embedded finance products. The company aims to boost the PEPP (pan-European private pension products) market, with a focus on attracting younger customers through cost-efficient and flexible products.
However, finding a suitable partner is seen as the biggest challenge in expanding to embedded finance. A trustworthy brand is necessary for successful partnerships, but few have that, according to Xaver's CEO.
Despite the challenges, Xaver has made its first major stride with Bavarian Insurance, partnering on the AI insurance sales platform. The company currently lists only eleven PEPP products from two providers in its register.
Looking ahead, Xaver plans to enter the asset management sector, offering fund-based policies and ELTIFs for its customers. By expanding its product offerings, Xaver hopes to broaden its customer base, potentially reaching companies outside the financial sector.
In the search for information about Xaver's current status or plans regarding pension products or asset management expansion, one might turn to Xaver's official website or press releases, specialized fintech news sources focused on Germany or Cologne startups, or financial regulatory filings and industry reports for updates on fintech firms in these sectors.
In August 2025, a search for Xaver revealed no direct or specific results about its activities in pension products or asset management. The search results did not mention Xaver or its strategic business developments in these areas.
Lars-Thorben Niggehoff, a freelance journalist and founder of the journalism bureau dreimaldrei, writes about financial topics, SMEs, and the real estate market for various publications. His insights on the fintech industry may provide further insights into Xaver's future plans and developments.
Investing in Xaver's business development could offer potential returns, as the company plans to expand into the asset management sector, offering fund-based policies and ELTIFs. Xaver's CEO, Max Bachem, is actively seeking trustworthy partners for embedded finance products, aiming to boost the PEPP market and attract younger customers with cost-efficient and flexible products.
