United Signals

What United Signals does

United Signals GmbH is a Frankfurt am Main-based fintech founded in 2011 by Daniel Schäfer and Heiko Seebach that builds a modular SaaS platform for digitizing customer-facing and back-office document workflows in the financial services sector. The company's product suite comprises four integrated solutions — Digital Onboarding, Paperless Contracts, Business Control-Center, and Digital Client Portals — plus FLOWNIQ, a no-code workflow platform launched commercially in 2025 that integrates OpenAI/LLM and DeepL for natural-language workflow creation and PDF-to-workflow transformation. The platform is white-label, API-first, supports cloud, on-premise, and hybrid deployment, and runs on German Tier 3+ data centers with SOC2 Type II, ISO 27001, GDPR, and SSAE 16/ISAE 3420 certifications.

The business model is enterprise B2B SaaS sold on annual subscription contracts with quote-based pricing. Go-to-market is direct enterprise sales targeting C-level buyers at banks, asset managers, and wealth managers, supplemented by association-led distribution through the VuV (Germany), OpenWealth Association, ASV/ASWM, and SAM (Switzerland/Liechtenstein) partnerships. The customer base includes UBS Wealth Management, Commerzbank/comdirect, DAB BNP Paribas, Baader Bank, V-Bank, ebase/FFB, VP Bank, Zürcher Kantonalbank, St. Galler Kantonalbank, and Merkur Privatbank, among others, with the company claiming 100+ live digital onboardings and 75%+ penetration of relevant German banks. Geographic footprint covers Germany, Switzerland, Liechtenstein, Austria, Luxembourg, Italy, France, and Monaco, supported by offices in Frankfurt, Potsdam, and Bretten.

Revenue mechanics are subscription-recurring under both standard SaaS licensing and customized enterprise agreements; no revenue, ARR, or external funding (other than a 2021 BMBF R&D grant) is publicly disclosed. Growth has been funded organically rather than via venture capital, with 11–50 employees and an explicit strategic posture of expansion through flagship anchors (notably UBS), association partnerships, and product platform extension (FLOWNIQ) into verticals beyond financial services.

Name

United Signals

Legal name

United Signals GmbH

Website

https://united-signals.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

United Signals GmbH is a Frankfurt-based fintech that provides a modular, white-label SaaS platform for digital customer onboarding, paperless contracts, and workflow automation, primarily serving banks, asset managers, and wealth managers across DACH and broader Europe.

Ownership category

akta.pro rank

Product category

Financial Services Digital Onboarding Software

NAICS

Software Publishers (513210), Custom Computer Programming Services (541511)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

B2B/EDI & Partner Integration (BPAMAOAJ)

Keywords

• Digital onboarding software
• Customer lifecycle management
• Financial workflow automation
• Paperless contract solutions
• Wealth management platform

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices3 records

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: Software-as-a-Service solutions for digitalization of customer offerings and automation of work processes. Revenue generated through subscription-based licensing of modular platform solutions including digital onboarding, paperless contracts, business control center, and customer portals. White-label and flexible solutions allow customization per customer requirements.
2. Enterprise Licensing: Customized enterprise agreements with financial institutions for platform deployment. Solutions support multiple deployment options (cloud, on-premise, or hybrid) with pricing based on scope and customization requirements.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

United Signals sells a modular B2B SaaS platform that automates and digitizes document workflows and customer onboarding for financial institutions. The platform comprises four integrated solutions — Digital Onboarding, Paperless Contracts, Business Control-Center, and Digital Client Portals — plus the FLOWNIQ no-code workflow builder, all delivered as white-label, API-integrated cloud, on-premise, or hybrid deployments.

Product overview

United Signals offers a modular SaaS platform for digital document workflows and customer process automation. The core product suite consists of four integrated solutions: Digital Onboarding (for customer acquisition and identity verification), Paperless Contracts (for contract digitization), Business Control-Center (for middle/back-office process management), and Digital Client Portals (for customer self-service). FLOWNIQ is a separate no-code workflow platform with AI capabilities that complements the core offerings. All solutions support white-label branding, multilingual interfaces, and API-based integration with third-party services for digital signatures, identity verification, compliance checks, and banking systems. The platform is designed for the financial sector but applicable across industries.

Differentiator

Problem solved

Functional benefit

Brands

• FLOWNIQ: A next-generation SaaS platform that helps businesses digitize, optimize, and efficiently manage their business processes and workflows without the need for programming skills, with AI support integration

Products and services

• Digital Onboarding (Digitales Onboarding) End-to-end digital customer onboarding solution enabling end users to conclude agreements digitally and complete the process independently regardless of time and location. Supports both hybrid (customer with employee) and online-only (customer stand-alone) versions with full process automation, individual data collection, plausibility and completeness checks, multi-language support, and digital mailbox. For banks, asset managers, and wealth managers.
• Paperless Contracts (Papierlose Verträge) Paperless contract solution that transforms paper-based documents into digital, web-based and automated contract processes. Reduces administrative workload by enabling data collection, customer legitimation, digital signature, contract management, pre-filled forms, intermediate storage for process resumption, and third-party provider integration through a unified interface.
• Business Control-Center Middle and back-office system enabling digital processing and management of all types of contracts, applications, and forms. Provides a unified interface to control processes across multiple systems or databases with cross-departmental workflow automation, visualization of current statuses, and seamless integration into existing system landscapes.
• Digital Client Portals (Digitale Kundenportale) Digital customer portal solution providing dashboards for key figures visualization, online messenger for communications, and digital mailbox for document storage. Enables companies to interact with customers through an additional digital channel and supports customer engagement, document delivery, and ongoing customer service.
• FLOWNIQ Next-generation no-code SaaS platform for digitizing and optimizing business processes without programming skills. Includes AI integration (OpenAI, DeepL), drag-and-drop workflow designer, PDF-to-workflow transformation, multi-language support, and digital signature integration. Aimed at banks, asset managers, and other enterprises.

Quantifiable outcome

• Shortened customer onboarding time
• +5 more outcomes

Named customers16 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability4 records

Feature6 records

Partnerships

17 partnerships are on record, tiered core and flagship.

• Wecan GroupcoreStrategic or Co-development Partner · 1 January 2024Partnership for digital solutions integration in wealth management ecosystem.
• OpenWealth AssociationcoreStrategic or Co-development Partner · 1 January 2023Partnership with Swiss OpenWealth Association for digital wealth management solutions. United Signals honored as Success Case by the association.
• Alliance of Swiss Wealth Managers (ASV/ASWM)coreStrategic or Co-development Partner · 1 January 2023Partnership for digital client onboarding solution for Switzerland and Liechtenstein markets.
• Association of Swiss Wealth Managers (SAM)coreStrategic or Co-development Partner · 1 January 2023Partnership with Swiss Wealth Managers Association for solution deployment.
• VP Bank AG (Liechtenstein)coreTechnology or Integration · 1 January 2023Partnership for digital onboarding with API and interface expansion. Multiple solutions launched for Switzerland and Europe.
• Zürcher Kantonalbank Österreich AGcoreTechnology or Integration · 1 January 2023Partnership for digital client onboarding solution deployment.
• St. Galler Kantonalbank Deutschland AGcoreTechnology or Integration · 1 January 2023Partnership for digital onboarding with expansion to additional solutions including repapering and WpHG updates.
• UBS Wealth ManagementflagshipTechnology or Integration · 1 January 2022Multi-country European partnership for digital onboarding and wealth management solutions. Rollout across Germany, Luxembourg, Italy with expansion to Monaco and France in 2025.
• Baader Bank AGcoreTechnology or Integration · 1 January 2021Strategic partnership for custody account services and platform integration. Baader Bank serves as depot bank and settlement partner.
• comdirect / Commerzbank AGcoreTechnology or Integration · 1 January 2021Partnership for digital onboarding solution deployment with Commerzbank subsidiary comdirect.
• Merkur PrivatbankcoreTechnology or Integration · 1 January 2021Partnership for digital onboarding solution deployment.
• V-Bank AGcoreTechnology or Integration · 1 January 2020Partnership for digital onboarding solution for asset managers and financial intermediaries.
• ebase AG / FNZ Bank AGcoreTechnology or Integration · 1 January 2020Partnership for digital onboarding and custody account solutions.
• VuV (Verband unabhängiger Vermögensverwalter Deutschland e.V.)flagshipStrategic or Co-development Partner · 1 January 2019Strategic partnership with Association of Independent Asset Managers to establish market standard for digital customer onboarding. United Signals solution selected by VuV and its members as the standard for German wealth management industry. Includes joint roadshow activities.
• DAB BNP ParibascoreTechnology or Integration · 1 January 2019Partnership for digital onboarding solution deployment.
• Expersoft Systems / AM-One AGcoreTechnology or Integration · 1 January 2019Collaboration for digital onboarding and portfolio management integration.
• Atruvia (agree21)coreTechnology or IntegrationFull bidirectional system connection to agree21 core banking platform from Atruvia for seamless integration.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• IDnow: Munich-based digital identity and KYC/AML verification platform serving European banks, insurers, and fintechs. Highly comparable to United Signals in targeting European financial institutions with onboarding workflows, and is also an existing integration partner of United Signals.
• Jumio: Global identity verification and KYC platform with significant European financial services footprint. Comparable in providing identity/legitimation steps within the digital onboarding flow that United Signals orchestrates, and is an existing United Signals integration partner.
• Onfido: AI-based digital identity verification provider serving financial services globally. Comparable to United Signals in providing identity verification and onboarding automation, particularly for banks and fintechs in regulated markets.
• Fenergo: Dublin-headquartered client lifecycle management (CLM) and digital onboarding platform purpose-built for banks, asset managers, and fintechs. Closely comparable to United Signals' financial-services onboarding focus at a larger enterprise scale.
• Signicat: Trondheim-headquartered digital identity and e-signature platform with strong presence across Nordics and continental Europe. Directly comparable in serving banks and financial institutions for customer onboarding, and is listed as an integration partner of United Signals.
• Verimi: German cross-industry identity platform backed by major German banks and insurers. Comparable to United Signals in serving European banks with secure digital identity and onboarding use cases, though broader in scope across multiple industries.
• WebID Solutions: Germany-based digital identity verification provider offering video identification and qualified electronic signatures for banks and regulated industries. Comparable as a direct German-market identity/legitimation peer and existing integration partner of United Signals.

Broad incumbents

• Mambu: Berlin-based cloud banking SaaS platform providing core banking and lending infrastructure to financial institutions globally. Comparable as a German-headquartered fintech serving European banks, though positioned in core banking rather than the onboarding layer that United Signals addresses.
• DocuSign: Global e-signature and intelligent agreement management platform. Comparable to a portion of United Signals' paperless contracts offering but at much larger scale; DocuSign is also an integration partner rather than a direct head-to-head competitor.
• Backbase: Amsterdam-based digital banking platform offering onboarding, servicing, and digital sales channels for retail, private, and business banks. Comparable to United Signals' financial-services focus and core-banking integrations, but at significantly larger platform scale and broader product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/unitedsignals
• Facebookfacebook.com/UnitedSignals
• LinkedInlinkedin.com/company/united-signals-gmbh

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 United Signals