What GreenLock does

GreenLock AG is a Swiss wealth-technology company founded in 2022 as a spin-off from a large Zurich single family office, headquartered in Steinhausen, canton of Zug. The company provides independent, technology-driven oversight for family offices (single and multi-family), ultra-high-net-worth individuals, and select institutional investors such as college endowments and foundations. GreenLock does not sell financial products and does not manage assets; it positions itself solely on the wealth owner side of the table, with a stated thesis that 40–50% of fees charged by private banks to family offices are hidden from view.

The platform is organized as six modular products sold individually or bundled: Fee Benchmarking & Reduction, Investment Performance Audit (using stochastic modeling to separate manager luck from skill), PE/VC Portfolio Optimization, Real Estate Assets Monitoring (cash flow, valuations, FX exposure), Executive Wealth Reporting, and Core Capital Risk Surveillance (concentration, liquidity, drawdown, inter-asset correlation). Underlying technology includes dedicated Microsoft Azure infrastructure hosted in Switzerland with zero-knowledge architecture and full data traceability, automated PMS integrations, and a continuously maintained database of 30 identified hidden fee points across private banking portfolios in Switzerland, the UK, and France. GreenLock was awarded the WealthBriefing 'AI in Wealth Management 2023' recognition.

The business model is B2B enterprise SaaS with three monetization layers: custom-priced modular subscriptions (reported range $20K–$50K per year per module, scaled to number of custodians, entities, and data sources), an all-inclusive 0.1% AUM fee covering all six modules, and an optional 5–10% success fee on negotiated savings. Distribution is entirely direct enterprise sales with quarterly cancellation and pro-rata refunds, and the go-to-market is anchored by content marketing, SEO, and senior adviser relationships in the Swiss family office ecosystem. As of 2025, GreenLock reports over $2 billion in assets under monitoring (up from $500M in 2023 and $1B in 2024), over $10 million in annual recurring fee savings secured for clients, and approximately 15 named clients including multi-family platforms.

Name

GreenLock

Legal name

Greenlock AG

Website

https://greenlock.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

GreenLock is a Swiss wealth-tech firm providing independent oversight for family offices and UHNWIs. Its modular platform delivers fee benchmarking, performance auditing, PE/VC optimization, real estate monitoring, and risk surveillance across over $2 billion in monitored assets.

Ownership category

akta.pro rank

Headquarters

HQ city

Steinhausen

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Modular Oversight Subscriptions: Each module (Fee Benchmarking, Investment Mandate Audit, PE/VC Optimization, Real Estate Monitoring, Executive Wealth Reporting, Risk Surveillance) is priced individually based on the number of custodians, entities, and data sources involved. Clients choose needed modules only. Minimum portfolio size is not formally stated but value delivery is targeted at portfolios above $25M.
2. All-Inclusive AUM-Based Fee: 0.1% per year of assets under monitoring covers all six modules. Example: $50M portfolio × 0.10% = $50,000 annually. No performance or success fees are charged.
3. Success Fee on Savings (Negotiated): GreenLock charges a success fee of between 5% to 10% of eventual savings for negotiating fee reductions on behalf of clients, in addition to or instead of flat monitoring fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

GreenLock provides independent, technology-driven wealth oversight for family offices and ultra-high-net-worth individuals through a modular platform of six product modules — Fee Benchmarking & Reduction, Investment Performance Audit, PE/VC Portfolio Optimization, Real Estate Assets Monitoring, Executive Wealth Reporting, and Core Capital Risk Surveillance. The platform uncovers hidden investment costs (an estimated 40–50% of private bank fees are hidden), benchmarks fees across custodians and asset classes, audits manager performance using stochastic modeling, and monitors structural risks. Clients can subscribe to individual modules or purchase an all-inclusive package priced at 0.1% of assets under monitoring per year.

Product overview

GreenLock offers a modular wealth oversight platform for family offices consisting of six distinct product modules: Fee Benchmarking & Reduction, Investment Performance Audit, PE/VC Portfolio Optimization, Real Estate Assets Monitoring, Executive Wealth Reporting, and Core Capital Risk Surveillance. These modules can be purchased individually (Custom pricing) or as a bundled All-Inclusive package at 0.1% annually. The platform operates on a dedicated Microsoft Azure infrastructure in Switzerland, implementing zero-knowledge architecture for data security. Founded in 2022 as a spin-off from a Zurich single family office, GreenLock provides independent oversight for over $2 billion in assets, helping clients save over $10 million in fees annually through transparency and benchmarking.

Differentiator

Problem solved

Functional benefit

Products and services

• Fee Benchmarking & Reduction Identifies and reduces hidden investment costs through comprehensive fee benchmarking and cost analysis across custodians, entities, and data sources to uncover unnecessary wealth erosion for family offices and wealth owners.
• Investment Performance Audit Assesses investment manager performance using stochastic modeling to distinguish luck from skill, providing true net-of-fee analysis with explicit cost assumptions for family offices and wealth owners.
• PE/VC Portfolio Optimization Applies institutional portfolio management principles to private market assets, ensuring efficient and strategic capital allocation across private equity and venture capital holdings for family offices and wealth owners.
• Real Estate Assets Monitoring Consolidates and assesses real estate holdings across cash flow, valuations, and currency exposure, evaluating the opportunity cost of each property for family offices and wealth owners.
• Executive Wealth Reporting Provides customized, decision-ready reporting designed for wealth owners, delivering clear and strategic views of total wealth across all holdings.
• Core Capital Risk Surveillance Identifies structural risks and concentration exposures threatening core wealth, including portfolio drawdown modeling, liquidity management, inter-asset class correlation assessment, and independent risk assessment by asset class.

Quantifiable outcome

• Over $2 billion in assets under monitoring as of 2025
• +6 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Microsoft Azure (Switzerland)coreTechnology or Integration · 1 January 2024GreenLock partnered with Microsoft Azure (Switzerland) in 2024 to host its dedicated infrastructure for data storage and processing. Data is stored in Switzerland on dedicated Azure infrastructure, fully compliant with Swiss data protection laws. This partnership underpins the zero-knowledge architecture and full data traceability.
• LinkedInminorGTM or Marketing PartnerGreenLock uses LinkedIn Insight Tag, a cookie-based retargeting technology that enables re-targeting advertising on LinkedIn and allows building anonymous audiences based on website visitors for marketing purposes.
• Simon Minder (M76)minorOthersSimon Minder, founder of M76 and Swiss family office adviser, serves as senior adviser to GreenLock. He argues that costs are a burden to family offices and need to be managed. This is an advisory relationship rather than a commercial partnership.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• iCapital: iCapital is a leading financial technology platform that democratizes access to private market investments for wealth advisors, family offices, and HNW investors. It overlaps with GreenLock's PE/VC portfolio oversight product and is comparably aimed at transparency and accessibility in alternative investments for private wealth clients.
• CAIS: CAIS is an alternative investment platform connecting advisors and family offices with hedge funds, private equity, and private credit. Its fee transparency and due diligence tooling parallels GreenLock's fee benchmarking value proposition, and it targets similar independent advisor and family office relationships in the alternatives transparency space.
• Addepar: Addepar is a wealth management technology platform purpose-built for family offices, RIAs, and private banks — providing portfolio analytics, performance reporting, and risk dashboards. Like GreenLock, it serves family offices with multi-asset oversight and decision-ready reporting for wealth owners; Addepar is broader in scope but directly comparable in customer base and product category.
• AltX: AltX provides performance reporting, analytics, and transparency tools for private capital funds and their investors. Its focus on private fund oversight and net-of-fee performance reporting directly mirrors GreenLock's Investment Performance Audit and PE/VC Portfolio Optimization modules for family office clients.
• Canoe Intelligence: Canoe Intelligence automates alternative investment data extraction and management for family offices, wealth managers, and institutional investors. Its focus on private markets operations and document intelligence overlaps with GreenLock's PE/VC portfolio optimization and performance audit modules, serving the same family office buyer with technology-enabled oversight.
• MJ Hudson (now Juniper Advisory): Juniper Advisory (formerly MJ Hudson) provides operational, governance, and oversight services to private fund managers and family offices across Europe. Its independent fund services, performance oversight, and fee benchmarking work overlap with GreenLock's independent wealth oversight modules, particularly for European family offices with private market exposure.

Broad incumbents

• InvestCloud: InvestCloud is a large global wealth management technology platform serving wealth managers, banks, and asset managers with portfolio analytics, reporting, and digital tools. As a broad incumbent it serves adjacent (often overlapping) wealth oversight use cases, including family office reporting and risk dashboards, but across a much wider and less specialized customer base.
• Empower (Personal Capital): Empower (which acquired Personal Capital) is a broad wealth management and financial wellness platform serving millions of HNW individuals with portfolio tracking, fee analysis, and retirement planning. It overlaps with GreenLock's fee benchmarking and wealth reporting at a retail-mass-affluent scale and is a much larger incumbent with overlapping adjacent capabilities.

Others

• With Intelligence: With Intelligence is a data, research, and benchmarking provider for the alternative asset management industry, with substantial coverage of fund fees, performance, and operational due diligence. It is an enabler/ecosystem participant for GreenLock-style private market oversight rather than a direct competitor, supplying benchmark datasets that firms like GreenLock could leverage.

Emerging players

• Tifin: Tifin is a wealth technology company building AI-driven investment platforms for financial advisors and investors, with products in alternative investments, personalization, and wealth engagement. As an emerging digital wealth player, it overlaps thematically with GreenLock's technology-enabled private wealth oversight mission, though targeting somewhat different buyer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/greenlockio

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 GreenLock