What Vlot does

Vlot AG is a Swiss B2B software company founded in 2017 and headquartered in Zurich, that builds a modular white-label SaaS platform for financial wellbeing analysis. Its product surface covers risk analysis, retirement and pension planning, and mortgage assessment modules, packaged so that partners can rebrand and embed them under their own customer-facing experiences. The platform is API-first, integrates with Salesforce CRM and Microsoft Azure AD B2B/B2C, and is positioned around "AI-ready data packages" — structured financial data outputs intended to feed downstream AI-driven analysis.

The customer base spans Swiss insurance providers (Helvetia, Pax, Generali), pension funds and administrators (bvg-digital, Servisa), brokers and comparison platforms (Abes, CLARK), and technology partners that embed Vlot under their own brands (Neosis, ELCA, HITS, including via the iPension pension administration platform). The company holds ISO 27001, ISO 9001, and ISO 14001 certifications and received the Innosuisse Certificate in 2023; it has been recognized on the DIA Top 100 Insurtechs to Watch (2021) and ITI Future 50 Europe lists.

Revenue is generated via quote-based annual subscriptions, supplemented by professional services and licensing, with a go-to-market that combines direct enterprise sales to insurers and pension funds with a white-label/channel distribution model through technology partners. Leadership comprises CEO Michael Dritsas (ex-Allianz SE), co-founder and CPO Daniel Schmidheiny, and co-founder and COO/CFO Sandro Matter; total headcount is 11–50. Disclosed funding to date is approximately $1.488 million across two rounds (SixThirty and Spicehaus Partners in November 2020; SICTIC in October 2022), and the company has not announced any M&A or geographic expansion outside Switzerland.

Name

Vlot

Legal name

vlot AG

Website

https://vlot.ch

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Vlot is a Swiss B2B SaaS company that builds a modular white-label platform for financial wellbeing analysis — risk, retirement, mortgage — sold to Swiss insurers, pension funds, brokers, and embedded technology partners via annual subscriptions and licensing.

Ownership category

akta.pro rank

Product category

InsurTech Financial Wellbeing SaaS

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (52512)

SIC

Life Insurance (6311)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Financial wellbeing software
• Pension planning platform
• Life risk analytics
• Insurance advisory tools
• White-label SaaS

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Modular SaaS platform sold as white-label solution to B2B customers including insurance providers, banks, pension funds, and software companies. Platform provides end-to-end financial wellbeing solutions with consulting, customization, integration, and training services.
2. Professional Services: Expert advisory services including consulting, customization & integration, and roll-out & training services complement the software platform.
3. Embedded/White-Label Licensing: Integration of advanced pension and wellbeing modules into partner platforms (e.g., Neosis iPension portal) that increase stickiness, satisfaction, and time-to-market for partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Vlot operates a modular white-label B2B SaaS platform that transforms complex financial data into practical insights for risk assessment, retirement planning, and coverage gap identification. The platform is sold to insurance providers, banks, pension funds, corporates, and software/fintech companies, and is delivered with consulting, customization, integration, and roll-out and training services.

Product overview

Vlot offers a modular SaaS platform combined with expert advisory services that delivers end-to-end financial wellbeing solutions. The core offering is the vlot SaaS Platform — a white-label B2B solution that transforms complex financial data into practical insights. The platform includes self-service modules for risk, retirement, and mortgage assessment, a campaign tool for targeted engagement, a pension dashboard for comprehensive overview generation, advisory tools for data-backed insights, and AI-ready data packages. These software components are complemented by consulting services, customization & integration services, and roll-out & training services. The platform is designed to integrate seamlessly into clients' existing systems and supports white-label deployment for brand-aligned customer experiences.

Differentiator

Problem solved

Functional benefit

Products and services

• vlot SaaS Platform A modular, white-label B2B SaaS platform that transforms complex financial data into practical insights, empowering insurance providers, banks, pension funds, corporates, and software/fintech partners to deliver risk, retirement and mortgage analysis through embedded digital journeys. Built on Microsoft Azure AD B2B/B2C authentication with Salesforce CRM integration.
• Expert Advisory and Consulting Services Expert advisory services drawing on vlot's deep insurance industry expertise to help clients design, implement and optimize financial wellbeing solutions that leverage the vlot SaaS platform.
• Customization and Integration Services Customization and integration services supporting seamless deployment of the vlot platform into existing digital ecosystems, including white-label branding, partner portal integration and CRM (Salesforce) integration.
• Roll-out and Training Services Roll-out and training programs that equip client teams to manage, maintain and evolve vlot-powered financial wellbeing solutions, including onboarding workshops and ongoing enablement.

Quantifiable outcome

• 75%+ user activation rates through personalized self-service journeys
• +5 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature6 records

Partnerships

14 partnerships are on record, tiered core and minor.

• MicrosoftcoreTechnology or IntegrationProvides Azure AD B2B Login and Azure AD B2C Login functionality enabling secure guest user collaboration, external partner access, and user authentication with social identity provider federation (Facebook, LinkedIn, Twitter).
• SalesforcecoreTechnology or IntegrationCRM integration enabling automatic pre-filling of existing customer data into analyses and secure result storage. Allows advisors to make modifications and document advisory processes entirely.
• NeosiscoreImplementation/ SI/ Consulting PartnerBackend integration partner for iPension B2C portal, combining vlot's financial wellbeing platform with Neosis backend capabilities for comprehensive pension solutions.
• ELCAcoreTechnology or IntegrationSecurity architecture partner providing enterprise-grade security for iPension B2C portal implementation, ensuring secure handling of sensitive financial data.
• Swiss FinTech Association (sfta)minorOthersIndustry association membership supporting Swiss fintech ecosystem and networking opportunities.
• Swiss InsurTech HubminorOthersIndustry association membership for Swiss insurtech ecosystem engagement.
• vdvsminorOthersAssociation membership for industry networking.
• Venture LeadersminorOthersAlumni of venture leaders accelerator program.
• Plug and PlayminorOthersAlumni of Plug and Play accelerator program.
• Kickstart AcceleratorminorOthersAlumni of Kickstart Accelerator program.
• Fusion PartnersminorOthersAlumni of Fusion Partners accelerator program.
• AttestaminorOthersISO certification partner for ISO 9001, ISO 27001, and ISO 14001 certifications.
• BDOminorOthersAudit partner for financial and compliance auditing.
• Compass SecurityminorOthersIT security partner providing cybersecurity expertise and services.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Clark: German digital insurance manager offering a white-label platform for insurance advisory and management. Clark is also a Vlot customer (CLARK Switzerland), directly validating Vlot's white-label B2B SaaS model for insurance distribution.
• dacadoo: Zurich-based digital health and life engagement platform that uses data-driven scoring for life and health insurers. Highly comparable to Vlot in Swiss origin, B2B SaaS model, and focus on transforming complex data into actionable insights for insurers.
• Thinksurance: German B2B SaaS platform providing digital tools and product access for insurance brokers and insurers. Directly comparable to Vlot's modular white-label platform serving the insurance distribution value chain in DACH.
• Getsafe: Heidelberg-based digital insurance platform offering simple, mobile-first insurance products. Comparable in digital insurance distribution focus and DACH market presence, though Getsafe is more consumer-facing than Vlot's B2B model.
• Friendsurance: Berlin-based digital insurance platform pioneering peer-to-peer insurance and broker enablement. Comparable in digital insurance distribution model and DACH regional focus, with overlapping broker-channel software.

Broad incumbents

• iptiQ by Swiss Re: Swiss Re's B2B white-label insurance platform enabling insurers and banks to launch digital insurance products. A larger incumbent offering similar white-label B2B insurance technology infrastructure across global markets.
• Wefox Group: European insurtech holding company operating multiple digital insurance brands across DACH and broader Europe. A broader incumbent with overlapping insurtech capabilities but operating across a wider portfolio than Vlot's niche.

Emerging players

• omni:us: Berlin-based AI company focused on insurance claims automation using machine learning. Adjacent technology overlap with Vlot's AI-ready data packages and predictive analytics approach to insurance workflows.

Regional players

• FRIDAY (Baloise Group): Digital insurance brand of Swiss insurer Baloise operating in Germany and other European markets. Operates in a similar digital-insurance space but as an insurer-owned brand rather than an independent SaaS vendor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/vlot

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 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 Vlot