Vinlivt

What Vinlivt does

Vinlivt GmbH is a Munich-based fintech founded in 2022 by ex-Check24 employees Uwe Lätsch and Dariusz Borowski. The company operates a dual-sided SaaS platform targeting the German financial advisory market: a B2B advisor dashboard for insurance brokers and financial advisors, and a B2C mobile/web app deployed to the advisors' end-customer clients. Its core technology combines multibanking data aggregation (PSD2 bank account connectivity plus depot/investment portfolio linking) with AI-powered contract recognition that extracts insurance policies, subscriptions, and financial products from raw bank transaction data. The platform includes a GDPR-compliant in-app messenger (Vinhub Messenger), fully digital broker mandate collection with electronic signatures, and a one-click inventory transfer (Bestandsübertragung) that synchronizes customer portfolios with broker pool systems (Netfonds, Funds Finanz) and independent broker management software (MVPs). The platform is distributed via iOS App Store, Google Play, and a web app, with a public REST API and a Make (Integromat) integration that connects to 1,000+ third-party applications.

Vinlivt's business model is a tiered per-advisor SaaS subscription with no commission taken from advisors. Advisor tiers range from €9/month (Starter) to €49/month (Plus, including multibanking and AI contract recognition) to €499/month (Berater-PLUS, including automated exclusive leads). A separate Maklerpool tier structure (Tippgeber €79, Berater €129, Manager €199 per month) serves the broker-pool and manager segment above individual advisors. Annual billing carries a ~10% discount. Add-on modules — White-Label branding (€49/month), MVP Connection (€19/month), AI Messenger (€5.99/month), Media Studio (€9/month), and inSign digital signature — are sold à la carte on top of base subscriptions. Distribution is hybrid: product-led growth via self-serve signup and free trial, supplemented by channel partnerships with broker pools (Netfonds, Funds Finanz), MVP integrations, and the Make automation marketplace. The company does not currently charge end consumers.

As of April 2024, the platform served over 100 financial and insurance advisors and 45,000+ end-user customers. The company has raised approximately €5.2 million across three rounds — €700,000 in 2022, ~€1 million pre-seed in April 2024, and €3.5 million oversubscribed seed in September 2025 — and was selected for Tenity's European Fintech Accelerator in August 2025. Operations remain concentrated in the DACH region with early expansion signals toward Switzerland, the UK, and the Nordics.

Name

Vinlivt

Legal name

Vinlivt GmbH

Website

https://vinlivt.de

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Vinlivt is a Munich-based fintech that operates a dual-sided AI-powered platform — a B2B advisor dashboard and a B2C customer app — serving German financial advisors and insurance brokers with multibanking data aggregation, AI contract recognition, GDPR-compliant messaging, and broker pool integrations.

Ownership category

akta.pro rank

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Subscription (B2B Advisor Tiers): Vinlivt generates revenue through tiered monthly SaaS subscriptions priced per advisor seat (Starter €9, Plus €49, Berater-PLUS €499). Additional revenue comes from add-ons (White-Label €49, MVP Connection €19, AI Messenger €5.99, Media Studio €9). Annual billing is available at a ~10% discount. The company explicitly states it takes no commission from advisors, maintaining a transparent, fixed-price model.
2. SaaS Subscription (Maklerpool/Manager Tiers): Separate B2B subscription tiers for broker pool members and managers: Tippgeber €79/87 (monthly/annual), Berater €129/142, Manager €199/219 per month. These tiers offer progressively more features including broker pool connectivity, extended administration, and statistics.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

Vinlivt is an AI-driven financial advisory SaaS platform that helps insurance brokers and financial advisors automate customer onboarding, recognize insurance and financial contracts from multibanking data, collect digital brokerage mandates, and communicate with clients via a GDPR-compliant messenger. The offering consists of a B2B advisor dashboard (web portal) and a B2C white-label customer app (iOS, Android, web), sold as tiered monthly subscriptions per advisor seat starting at €9/month.

Product overview

Vinlivt is a Munich-based fintech company offering a dual-sided platform consisting of a B2B software solution for financial advisors and a B2C customer app. The core B2B platform provides customer management, AI-powered contract recognition (KI Vertragserkennung), digital broker mandates, Vinhub Messenger, and one-click inventory transfer capabilities. The B2C app serves as a Financial Home where customers manage their consolidated financial overview, communicate with advisors, and sign documents digitally. The platform is available as a web application and native Android/iOS apps, with pricing tiers ranging from €9/month (Starter) to €499/month (PLUS). Add-on modules include White Label branding, MVP connection, Media Studio, and inSign signature integration. The Vinlivt REST API and Make Automation integration enable partner and developer integrations with broker pool systems (Netfonds, Funds Finanz) and CRM platforms.

Differentiator

Problem solved

Functional benefit

Brands

• Vinlivt AI: AI-powered platform for financial advisors that analyzes account and portfolio data to make insurance, loans, and investment products visible.

Products and services

• Vinlivt Platform (B2B Advisor Dashboard) B2B SaaS platform for financial advisors, insurance brokers, and financial distributors providing customer management, multibanking data aggregation, AI contract recognition, digital brokerage mandate collection, GDPR-compliant messaging, and one-click inventory transfer to broker pools. Sold as tiered monthly subscriptions per advisor seat.
• Vinlivt Customer App (B2C) White-label mobile (iOS, Android) and web application for end-consumer clients of financial advisors to view aggregated financial data, communicate with their advisor via GDPR-compliant messenger, and digitally sign brokerage mandates and documents.
• Vinlivt REST API Developer API product providing secure access to Vinlivt's structured financial, insurance, and portfolio data for third-party CRMs, fintech apps, and system integrators. Supports broker mandate collection, power of attorney, digital signatures, inventory transfers, contract recognition, and customer import, and integrates with broker pool systems such as Funds Finanz and Netfonds.

Quantifiable outcome

• Onboarding time reduced from 30 minutes manual to maximum 5 minutes automated per customer — ~€1,750 annual savings per 50 customers
• +4 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Netfonds GroupcoreTechnology or IntegrationNetfonds Group (Hamburg) is Vinlivt's primary technology partner for broker pool integrations. The partnership enables bidirectional synchronization of customer data, contracts, and documents between Vinlivt's platform and the Netfonds broker pool system. Advisors affiliated with Netfonds can use Vinlivt for customer onboarding and digital advisory while maintaining data consistency with the pool's backend systems.
• Funds FinanzcoreTechnology or IntegrationFunds Finanz is a broker pool and liability umbrella platform connected to Vinlivt via REST API. The integration allows advisors using Funds Finanz to import customers into Vinlivt and automatically send new customers, contracts, and mandates back to the Funds Finanz system, enabling seamless workflow automation between the two platforms.
• Make (Integromat)coreTechnology or IntegrationMake (formerly Integromat) is a no-code automation platform with over 1,000 app integrations. Vinlivt's native Make integration enables advisors to connect Vinlivt with CRM systems (Salesforce, HubSpot, Pipedrive), communication tools (Slack, WhatsApp Business), marketing platforms (Canva, Monday), and other tools to automate workflows and reduce manual tasks in the advisory process.
• AWS (Amazon Web Services)minorOthersVinlivt hosts its website and infrastructure on Amazon Web Services (AWS), as disclosed in its privacy policy. AWS provides cloud hosting, content delivery (via CloudFront CDN), and data processing infrastructure.
• CloudflareminorOthersVinlivt uses Cloudflare's global content delivery network (CDN) and DNS services to optimize website performance, reliability, and security.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• finAPI: finAPI is a German multibanking/PSD2 data aggregation provider whose bank account data feeds and contract-detection APIs overlap directly with Vinlivt's KI Vertragserkennung and multibanking interface. Both target German financial services with account-data-driven products, making finAPI Vinlivt's closest infrastructure-layer competitor.
• FinTecSystems: FinTecSystems is a Munich-headquartered multibanking and open-banking data provider used by German lenders, brokers and fintechs. It competes with Vinlivt at the data-aggregation layer that powers contract recognition, financial analysis and onboarding automation.
• Clark: Clark is a German insurance management app that aggregates customers' existing insurance and financial contracts and brokers new ones — directly adjacent to Vinlivt's white-label customer app and contract recognition. Both monetize by enabling brokers/insurers to engage consumers through a modern, consolidated financial overview.
• Finanzguru: Finanzguru is a German consumer financial overview app that aggregates bank accounts, identifies contracts and subscriptions, and is cited in Vinlivt's own customer testimonials as the benchmark ('Niveau von Finanzguru'). It overlaps directly with Vinlivt's B2C app, although Finanzguru is B2C-led rather than B2B-led.
• wefox: wefox is a Berlin-based digital insurance broker platform that gives independent Makler and agents a modern operating system for customer, contract and policy management. It targets the same financial-advisor/broker persona as Vinlivt, although with a stronger insurance-carrier integration focus.
• Getsafe: Getsafe is a German digital insurance platform offering consumer insurance products with a mobile-first UX and embedded broker/advisor flows. It competes for the same end customer (digitally native, German) that Vinlivt's white-label app is built to retain for independent Makler.

Broad incumbents

• JDC Group: JDC Group is a long-standing German insurance-technology and broker-platform incumbent that provides back-office, product and advisory infrastructure to Makler and pools. It is a broader incumbent than Vinlivt but competes for the same broker's wallet, particularly for inventory and policy administration.
• Tink: Tink (owned by Visa) is a pan-European open-banking and account-data aggregation platform whose multibanking and transaction-categorization capabilities underpin many European fintechs. It competes with Vinlivt at the data-aggregation layer and is often used by incumbents that Vinlivt also targets.
• Check24: Check24 is Germany's largest comparison portal and Vinlivt's founders' former employer, and is explicitly named in Vinlivt's value proposition as a 'comparison portal' that threatens independent Makler. It is a much larger incumbent and would be both a competitor (if it expands into broker-mandate tooling) and a potential channel/buyer.

Emerging players

• Elinvar (Solaris): Elinvar, now part of Solaris, is a B2B wealth-management-as-a-service platform that gives financial advisors and institutions a digital operating layer. It overlaps with Vinlivt on the B2B SaaS-for-advisors positioning, but is more wealth-management focused rather than insurance/broker focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xlinkedin.com/company/vinlivt
• YouTubeyoutube.com/channel/UCjjomgGdIXNgBphSoxTo9VA
• Facebookfacebook.com/100086760733208
• LinkedInlinkedin.com/company/vinlivt
• Instagraminstagram.com/vinlivt_de?igsh=M3ozd2w4bDR1ejk3&utm_source=qr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vinlivt