additiv
additiv provides an API-first Digital Financial Services orchestration platform that enables banks, insurers, asset managers, and consumer brands to launch wealth, insurance, banking, and credit products without replacing core systems. Founded in 1998 in Switzerland, the company is now part of the Temenos Group following a 2026 acquisition.
- Company typePrivate
- Founded1998
- HeadquartersZürich, Switzerland
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What additiv does
additiv is a Swiss-headquartered fintech founded in 1998 that provides an API-first, cloud-native Digital Financial Services (DFS) orchestration platform for banks, insurers, asset and wealth managers, and non-financial consumer brands. The platform is designed to layer on top of existing core banking and insurance systems, allowing clients to design, launch, and scale wealth, insurance, banking, and credit products without replacing legacy infrastructure. Its product surface comprises four vertical modules — addWealth, addInsurance, addBanking, and addCredit — plus the more recent AI Studio (launched December 2025), which coordinates domain-specific AI agents for data capture, document processing, client engagement, and advisory support. Notable client outcomes disclosed include PostFinance attracting CHF 2bn+ in new assets and Deka adding EUR 1.3bn+ assets in 15 months; the platform reports 100+ institutions and 400+ ecosystem companies across Switzerland, Germany, UK, UAE, Singapore, Philippines, and Indonesia.
The company operates an enterprise SaaS / Finance-as-a-Service revenue model with subscription and usage-based platform fees, supplemented by partner-led implementation and customization services. Go-to-market combines direct enterprise sales with a layered partner ecosystem including implementation partners (SELISE, QCENTRIS, IKON, Thakral One), technology partners (Microsoft, Signicat, Clarity AI, Kidbrooke, Bricknode), and distribution partners (Hypothekarbank Lenzburg, Liberty Pension, Vanguard, OLZ, Glarner Kantonalbank). Customer-reported metrics include 138% Net Revenue Retention and a +90 NPS, signaling expansion within accounts. additiv has been recognized on the WealthTech100 list in 2023 and 2024, AI FINTECH100 in 2023, and holds ISO/IEC 27001:2022 certification and an EcoVadis Silver sustainability rating. In June 2026, Temenos AG announced a definitive agreement to acquire 100% of additiv for approximately 50% cash and 50% equity, with closing expected in early Q3 2026, positioning additiv's mass-affluent and AI-orchestration capabilities inside Temenos's core banking software portfolio.
additiv firmographics
Firmographics- Name
- additiv
- Legal name
- Additiv AG
- Website
- https://additiv.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- additiv provides an API-first Digital Financial Services orchestration platform that enables banks, insurers, asset managers, and consumer brands to launch wealth, insurance, banking, and credit products without replacing core systems. Founded in 1998 in Switzerland, the company is now part of the Temenos Group following a 2026 acquisition.
- Ownership category
- akta.pro rank
Where additiv is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices8 records
Markets served
additiv business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Licensing: additiv operates as a SaaS fintech provider offering its Digital Financial Services Platform on a subscription/usage basis to financial institutions. The platform is described as enabling banks, insurers, asset managers, and non-financial institutions to add innovative financial solutions.
- Finance-as-a-Service (FaaS): Platform enables financial institutions to access new distribution channels via Banking-as-a-Service model, generating recurring revenue from orchestration and API access fees.
- Implementation and Support Services: Partner ecosystem provides implementation and customization services, with additiv focusing on platform development while partners handle deployment.
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
additiv product offering
Product offeringCore offering
additiv provides an API-first, cloud-native Digital Financial Services (DFS) orchestration platform that enables banks, insurers, asset managers, and non-financial brands to design, launch, and scale wealth, insurance, banking, and credit products on top of existing core systems without replacement. The platform includes pre-built modules (addWealth, addInsurance, addBanking, addCredit), an AI Studio orchestration layer, and an open sourcing model that connects clients to a network of regulated providers.
Product overview
additiv offers an orchestration platform for financial services with a modular architecture. The core platform is the Digital Financial Services (DFS) platform, which works with existing IT systems to unlock innovation without replacing core infrastructure. The platform comprises four main product modules: addWealth (wealth management), addInsurance (insurance orchestration), addBanking (Banking-as-a-Service), and addCredit (credit distribution). AI Studio serves as the domain-specific orchestration layer coordinating specialized AI agents for intelligent automation. The platform is API-first, enabling financial institutions to design, launch, and scale financial propositions across digital and advisor-led channels without disruptive system overhauls.
Differentiator
Problem solved
Functional benefit
Brands
- addWealth: Digital banking and wealth management platform solution for wealth management, investment services, and retirement planning.
- addInsurance
- addCredit
- addBanking
- AI Studio
Products and services
- addWealth
Quantifiable outcome
- PostFinance attracted CHF 2bn+ in new assets using additiv platform
- +3 more outcomes
Companies that use additiv
Customer profileNamed customers17 records
Segments6 records
Ideal customer profiles4 records
additiv technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability8 records
Feature8 records
additiv partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, major and minor.
- TemenoscoreTemenos AG acquired 100% of additiv for approximately 50% cash and 50% equity. Expected to close in early Q3 2026. Transaction designed to strengthen Temenos' Wealth Management offering with additiv's mass-affluent capabilities and AI-enabled orchestration layer.
- IKON (PT Ikonsultan Inovatama)coreExtended strategic alliance from technology partnership to distribution partnership in Indonesia. IKON offers additiv's API-first cloud platform to financial and non-financial institutions in Indonesia, supporting business development, delivery, and support.
- Hypothekarbank LenzburgmajorBanking service provider for Coop Finance+ app, providing banking infrastructure for savings accounts and debit cards.
- SELISEcoreStrategic partnership between Swiss fintechs combining additiv's API-first cloud platform with SELISE's digital platform execution services. Collaboration focuses on standardized integration solutions for additiv's DFS, fast implementation cycles, and global expansion of capabilities and service offerings.
- Investment NavigatormajorIntegration of Investment Navigator's cross-border and product distribution suitability solutions into additiv's DFS platform. Addresses regulatory compliance requirements for wealth managers operating across multiple jurisdictions.
- QCENTRISmajorStrategic collaboration for MEA region. QCENTRIS provides implementation and delivery services for new additiv customers, particularly for Hybrid Wealth Management and Digital Wealth Inclusion solutions.
- IKON (PT Ikonsultan Inovatama)coreIKON has been a certified additiv partner since 2017, serving as implementation partner for CommBank SmartWealth platform in Indonesia.
- Liberty PensionmajorIntegration with Liberty Pension for regulated custody and compliance in Pilla digital pension platform for Crédit Agricole next bank. Liberty serves as regulated foundation and asset manager.
- VanguardmajorInvestment partner for Coop Finance+ pension solutions.
- OLZmajorPension solutions partner for Coop Finance+.
- Glarner KantonalbankmajorPension solutions partner for Coop Finance+.
- AXA InsurancemajorBuilt plug & play platform enabling banks to offer complementary insurance solutions (mortgage protection) embedded into banking products.
- HAYAH InsurancemajorUAE digital insurer launched End-of-Service Benefits and direct wealth proposition on additiv platform.
- MicrosoftmajorKickStarter DFS Wealth Management PaaS Platform on Microsoft Marketplace with Azure FastTrack. Platform delivered via Microsoft Azure cloud.
- Saxo BankmajorBroker and custodian services for Globaleye's hybrid wealth management solution, providing seamless digital access to global markets.
- Thakral OneminorPartnership with Microsoft to support Philippines market for additiv solutions.
Scale indicators9 records
Recent moves11 records
Expansion highlights6 records
additiv competitors and assessment
Company assessmentDirect peers
- Backbase: Digital banking platform providing customer experience and engagement orchestration on top of existing core systems. Closely comparable to additiv's orchestration and digital-channel proposition, targeting similar mid-to-large banks globally.
- Avaloq: Switzerland-headquartered wealth management and core banking platform serving private banks and asset managers globally. Direct competitor to additiv's addWealth module, particularly in the Swiss and European private banking segments.
- Mambu: Cloud-native Banking-as-a-Service platform enabling banks, fintechs, and brands to launch lending, deposit, and banking products via APIs. Directly competes with additiv's addBanking module in the BaaS and embedded finance space.
- Thought Machine: Cloud-native core banking platform with Vault and Vault Payments, targeting tier-1 and tier-2 banks seeking to replace legacy core systems. Competes with additiv for digital transformation budgets at large financial institutions, though with a 'replace' rather than 'orchestrate' positioning.
Emerging players
- Wealthfront: US-focused digital wealth management platform offering automated investing and financial planning to mass-affluent consumers. Adjacent to additiv's addWealth in capability (automated portfolio construction at scale) but serves end consumers directly rather than financial institutions.
- 10x Banking: Cloud-native core banking platform targeting challenger banks and incumbents seeking core replacement. Competes with additiv's addBanking for new digital bank builds, with stronger challenger-bank penetration but narrower wealth and insurance scope.
- Kidbrooke: API-based financial planning and wealth management technology provider enabling goal-based planning, simulations, and digital advice. Already a technology partner of additiv, but also a partial competitor in the digital wealth advisory layer additiv's AIRE and Advisor Copilot address.
Broad incumbents
- Salesforce Financial Services Cloud: Industry cloud for wealth and retail banking built on Salesforce's CRM platform. Competes with additiv's orchestration and advisor-copilot capabilities at the customer engagement and relationship management layer of financial institutions.
- Finastra: Large incumbent financial software provider spanning core banking, lending, treasury, and wealth. Competes broadly with additiv's addBanking and addCredit modules across a global banking client base, though with a heavier legacy footprint.
- Temenos: Global core banking software provider and now the acquirer of additiv. Temenos offers a comprehensive banking platform with overlapping wealth management capabilities, making it both the most direct acquirer and the largest competitive threat additiv historically positioned against.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
additiv social profiles
Digital presenceadditiv compliance and trust
Trust signalCompliance2 records
additiv financial estimates
Financial estimateRevenue estimate
Valuation estimate
additiv leadership team
Management profileNumber of profiles
Profiles10 records
additiv funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
additiv M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about additiv
What does additiv do?
additiv provides an API-first, cloud-native Digital Financial Services (DFS) orchestration platform that enables banks, insurers, asset managers, and non-financial brands to design, launch, and scale wealth, insurance, banking, and credit products on top of existing core systems without replacement. The platform includes pre-built modules (addWealth, addInsurance, addBanking, addCredit), an AI Studio orchestration layer, and an open sourcing model that connects clients to a network of regulated providers.
Is additiv a public or private company?
additiv is a private company. It is classified as venture growth investor backed and is currently operating.
When was additiv founded?
additiv was founded in 1998. It employs 101 to 250 people.
Where is additiv based?
additiv is headquartered in Zürich, Switzerland, in the Europe region.
How does additiv make money?
Three revenue lines are on record. SaaS Platform Licensing is the primary driver. The others are finance-as-a-Service (FaaS) and implementation and Support Services.
Who are additiv's main competitors?
Direct peers on record are Backbase, Avaloq, Mambu and Thought Machine. Emerging players are Wealthfront, 10x Banking and Kidbrooke. Broad incumbents are Salesforce Financial Services Cloud, Finastra and Temenos.
Does additiv have an API?
Yes. additiv's platform is described as API-first with an extensive set of APIs for integration with other systems and data providers. The Investment Navigator integration connects via RESTful APIs to additiv's intelligent orchestration platform. addBanking offers pre-built APIs for quick deployment and minimal integration friction across banking apps, employer portals, and digital ecosystems.