QBT
QBT Sagl is a Swiss AI-software firm (RINA Prime Value Services subsidiary) building proprietary algorithms and white-label systems for Fintech (NPE management and AML), Proptech (real estate and 3D property scanning), and Healthcare (generative-AI digital twins), serving banks, servicers, real-estate operators and academic research partners.
- Company typePrivate
- Founded2008
- HeadquartersChiasso, Switzerland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What QBT does
QBT Sagl is a Swiss software development firm founded in 2008 in Chiasso (Canton Ticino), operating as a wholly-owned subsidiary of RINA Prime Value Services since February 2023. The company designs and delivers calculation algorithms and management software across three principal verticals: Fintech, specifically non-performing exposure (NPE) management, credit valuation, cash-flow forecasting and AML compliance; Proptech, including real-estate portfolio management, judicial-auction modelling and remote property appraisal; and Human Digital Twin, comprising generative-AI virtual patient simulation and elderly-companion agents. Customers are predominantly enterprise and institutional — banks, servicers, real-estate operators, research institutions and industry groups — and engagements include both bespoke white-label development and research partnerships co-funded by Swiss agencies (Innosuisse, CTI) and the European Commission (H2020).
The technology stack is anchored in NLP, machine learning, advanced data analytics, agent-based simulation and computer vision. Named proprietary components include the UTOOL algorithm for unsecured-credit valuation (developed with the DalleMolle AI Institute, CTI-funded), the Gemini NPE Management System and Gemini Real Estate platforms (web-based contested-credit and portfolio-management software), READ — a smartphone/drone 3D-scanning pipeline that converts interior spaces into digital twins and 2D CAD floor plans (subject to a granted Swiss patent for the RE_ADV variant and commercialised through exploread.ch), FinVA (an Innosuisse-funded AML/client-onboarding assistant co-built with Cube Finance and SUPSI), and the Virtual Patient / Senior Companion generative-AI healthcare agents built within the SciA LAB at Campus Ludes. Outputs are exposed as Webservices for raw or BI-aggregated consumption.
The business model is custom software development on client mandates delivered as either white-label or in-house products, supplemented by research-collaboration services co-funded with universities and Swiss/EU innovation bodies. Pricing is project-based rather than published per-seat or per-API; engagements are consultative and tailored, sourced through direct enterprise field sales primarily in Switzerland and Italy, with marketing reach concentrated in industry conferences (T.S.E.I., Almaiura, Swiss Aerospace Cluster events), Springer publications and trade press. Revenue is not publicly disclosed, headcount is stated at 1-10, and the company holds ISO 9001 certification (initially 2021, renewed 2024/2025 for three years).
QBT firmographics
Firmographics- Name
- QBT
- Legal name
- QBT Sagl
- Website
- https://qbt.ch
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- QBT Sagl is a Swiss AI-software firm (RINA Prime Value Services subsidiary) building proprietary algorithms and white-label systems for Fintech (NPE management and AML), Proptech (real estate and 3D property scanning), and Healthcare (generative-AI digital twins), serving banks, servicers, real-estate operators and academic research partners.
- Ownership category
- akta.pro rank
QBT industry classification
Industry- Product category
- Fintech Software
- NAICS
- Computer Systems Design Services (541512), Credit Intermediation and Related Activities (522)
- SIC
- Services-Computer Programming Services (7371), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where QBT is headquartered
LocationHeadquarters
- HQ city
- Chiasso
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
QBT business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Custom Software Development: QBT develops algorithms and software on client mandates as white-label or in-house products, investing in projects they believe in that originate from research and development. This includes bespoke solutions for Fintech, Proptech, Legaltech, Aerospace, Healthcare, Tourism, Sport, Entertainment, and Marine sectors.
- Research Collaboration Services: Ongoing collaboration with universities and research centers (SUPSI, Science Adventure, Istituto DalleMolle) for joint R&D projects, often funded by Swiss innovation agencies like Innosuisse and CTI.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
QBT product offering
Product offeringCore offering
QBT develops AI-powered algorithms and software for B2B clients across Fintech (Gemini NPE Management System, NPE/Business Plan credit valuation webservices, FinVA anti-money laundering), Proptech (Gemini Real Estate portfolio management, READ 3D scanning and Real Estate Advisory Drone, Smart Appraisal) and Human Digital Twin / Healthcare applications (Virtual Patient, Senior Companion). Solutions are delivered as white-label or in-house products on client mandates, often co-developed with Swiss and Italian research partners.
Product overview
QBT (QBT Sagl) is a Swiss software company that develops calculation algorithms and management software for Fintech (credit management/NPE), Proptech (real estate), and Human Digital Twin (healthcare AI) sectors. The company operates as a subsidiary of RINA Prime Value Services. Its product portfolio includes: (1) Gemini NPE Management System - web-based software for managing contested credits; (2) NPE Service/Webservice - credit valuation and cash flow forecasting services; (3) Business Plan Service/Webservice - collection-level business planning tools; (4) Gemini RE - real estate portfolio management platform; (5) READ - 3D property scanning technology for digital twin creation; (6) FinVA - AI-powered anti-money laundering platform; (7) Virtual Patient - AI patient simulator for psychology training; (8) Senior Companion - AI companion for elderly care; (9) FlightAI - drone flight planning AI. QBT offers products as white-label or in-house solutions, with research and development conducted in collaboration with universities and research centers including SUPSI, University of Milan-Bicocca, and the DalleMolle Institute of AI.
Differentiator
Problem solved
Functional benefit
Products and services
- Gemini NPE Management System Web-based software for managing contested credits (both mortgage and unsecured) covering static credit components (title to guarantee) and dynamic components (legal action to lot to extrajudicial recovery and operational flow); generates standard reports and track records for banks and servicers.
- NPE Service e Webservice Credit valuation and cash flow forecasting method and webservice for secured and unsecured UTP/NPL credit recovery, built on algorithmic computation, statistical analysis and agent-based simulation, integrable into client platforms.
- Business Plan: Metodo di calcolo Methodology-based credit valuation and Business Plan offering providing collection forecasts and timelines for secured, unsecured and UTP credit positions, intended for banks and servicers evaluating distressed credits.
- Business Plan Service e Webservice Collection-level Business Plan product with information on auction lots, extrajudicial actions, debtor and credit/legal-action details and refinancing activities, exportable to Excel/PDF and other formats.
- UTOOL Algorithm for unsecured credit valuation developed in collaboration with the Istituto di Intelligenza Artificiale DalleMolle di Lugano and funded by CTI (Swiss Confederation), underpinning QBT's NPE Service offering.
- Gemini Real Estate e Proptech Tool Web-based software platform for real estate portfolio management including property valuation, investment Business Plan modeling and ReoCo auction intervention modeling; supports multilingual operation with automatic translation of note fields.
- READ - Real Estate Advisory and Detection Innovative 3D property scanning system using smartphone cameras (and drones with LIDAR/SLAM) that performs automatic 3D interior reconstruction, object classification and CAD floor plan conversion, delivered via the ExploRead online platform.
- Smart Appraisal Real estate valuation tool for property and construction site inspections using virtual reality and remote sensing, enabling appraisals even under limited-mobility conditions; delivered as part of QBT's Proptech suite.
- FinVA - Financial Intelligent Virtual Assistant AI-powered anti-money laundering platform using supervised machine learning for client onboarding assistance, continuous transaction monitoring and compliance document control, developed with Cube Finance SA and SUPSI and funded by Innosuisse.
- Virtual Patient Generative-AI-based virtual patient simulator for psychology training, enabling students to practice therapeutic techniques with AI-generated patients simulating a wide range of psychological and behavioral disorders in a safe, controlled environment.
- Senior Companion AI virtual companion application for elderly users providing proactive dialogue sessions, broadcast information, medication reminders, emergency alerts and AI-guided mobility exercises using webcam and computer vision.
- FlightAI European H2020 FET-OPEN AI flight-plan assistant product for drones, including the AutoPath GIS interface that calculates overflown buildings, industrial facilities and public structures and generates SORA3 risk-assessment data for UAS operations.
Quantifiable outcome
- Patent granted for Real Estate Advisory Drone (READ) technology
- +1 more outcomes
Companies that use QBT
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles5 records
QBT technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability10 records
Feature10 records
QBT partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- RINA Prime Value ServicescoreQBT became a subsidiary of RINA Prime Value Services in February 2023, a primary Italian multinational group active in technical real estate evaluation and certification with focus on technological innovation and sustainability. This acquisition strengthened QBT's service/product portfolio and geographic expansion capabilities.
- SUPSI (Scuola universitaria professionale della Svizzera italiana)coreLong-standing research collaboration with SUPSI on multiple projects including Real Estate Advisory Drone (RE_ADV), FinVA anti-money laundering platform, READ 3D scanning technology, and joint Tech Lab establishment. Multiple InnoSuisse-funded research initiatives.
- Science Adventure / SciA LABcoreCollaborated on Real Estate Advisory Drone project and READ technology development. Co-established Science Adventure (SciA) Lab at Campus Ludes in Lugano for excellence in computing technologies applied to human and medical sciences, with focus on telemedicine, 3D printing, augmented reality, and AI research.
- Istituto di Intelligenza Artificiale DalleMolle di LuganocoreCollaborated on UTOOL algorithm development for unsecured credit valorization. Funded by CTI (Commission for Technology and Innovation) of the Swiss Confederation. This academic partnership established foundational NLP and AI capabilities for QBT's financial applications.
- CNR (Consiglio Nazionale delle Ricerche)coreCollaboration with CNR Roma on T.S.E.I. association activities and presentation of Real Estate Advisory Drone. CNR researchers including Prof. Federico Cecconi contribute to QBT's scientific advisory and publish research.
- Cube Finance SAcoreCo-developed FinVA (Financial Intelligent Virtual Assistant) anti-money laundering platform together with QBT and SUPSI, funded by InnoSuisse. FinVA uses AI and supervised machine learning for banking compliance and client monitoring.
- NomismacorePartnership with HRMGroup and QBT to launch MatchNPE platform for distressed credit. Nomisma is a leading Italian economic research institute providing market intelligence for the NPE sector. QBT provides technology for the platform.
- Grandi Navi VelociminorCollaboration on READ MARINE project for testing READ 3D scanning technology aboard vessels. Data collected is being analyzed for maritime applications of digital twin technology.
- Campus Ludes (Istituto Universitario Professionale LUDES)coreJoint establishment of Tech Lab laboratory at Campus Ludes in Lugano, dedicated to computing technologies in human and medical sciences. Focus areas include telemedicine, 3D printing, augmented reality, and psychological AI research. Also involved in parabolic flight missions.
- FlightAI Consortium (LOCEN, ISTC-CNR, AI2Life, EuroUSC)coreEuropean H2020 FET-OPEN project for drone flight plan AI assistant. QBT developed AutoPath GIS module for SORA3 risk assessment. Project funded by European Commission with LOCEN and CNR as main research partners.
- Swiss Aerospace ClusterminorQBT is a member of the Swiss Aerospace Cluster, an industrial network supporting Swiss aerospace and satellite services in knowledge and technology transfer.
- Swiss Venture ClubminorQBT joined the Swiss Venture Club network of entrepreneurs, which connects SMEs across all Swiss economic regions with over 3000 members from various sectors.
- Politecnico di MilanominorParticipation in Smart City workshop on drones and urban mobility organized by Politecnico di Milano, sharing innovative solutions for sustainable and accessible cities.
- ADAA (Associazione Astronautica e Aerospaziale)minorQBT is a main sponsor of ADAA and participated in events including Moon Farside Protection symposium and ADAA inauguration, supporting aerospace education and awareness activities.
- Associazione T.S.E.I.coreQBT is main sponsor and active participant in T.S.E.I. (Tavolo di Studio sulle Esecuzioni Italiane) national congresses on Italian execution procedures, presenting research on timing models and NPL/UTP market dynamics.
- Associazione Blockchain ItaliaminorParticipation in joint Real Estate and Blockchain working group with Associazione T6 and Associazione Blockchain Italia to explore blockchain applications in real estate sector.
- UCM (University Campus of Malta)minorCollaboration on virtual reality projects including video recording and therapeutic practices in VR environments, and agent-based simulation models for pandemic behavior analysis.
- Libera Universita di BolzanominorQBT R&D Director Alessandro Barazzetti served as guest lecturer at Master in Accounting and Finance - AI and financial decision making, presenting AI applications in Fintech and Proptech.
- Universita degli Studi di Napoli Federico IIminorParticipation in G0Flight parabolic flight mission with experiments related to psychological effects of space travel, conducted by Campus Ludes students.
- Asclepios ProjectminorQBT involved in Asclepios analog astronaut missions at Sasso San Gottardo fortress, conducting scientific tests in microgravity conditions and experiencing astronaut sensations.
- GIAS (Gruppo Ingegneria per l'AeroSpazio)minorQBT participated as RINA subsidiary in GIAS 10th anniversary workshop at Italian Air Force Experimental Flight Center, presenting aerospace technology applications.
- EUSC (European UAS Centre)coreCollaboration in FlightAI project integrating AI with EUSC's SAMWISE web solution for drone flight risk assessment and SORA3 methodology.
- AlmaiuracoreQBT is main sponsor of Almaiura NPL&UTP events, the leading Italian professional development school for credit and financial market professionals.
Scale indicators3 records
Recent moves5 records
Expansion highlights6 records
QBT competitors and assessment
Company assessmentBroad incumbents
- CoStar Group: Dominant commercial real estate data, analytics, and valuation platform. Comparable as a broad incumbent in real estate data and analytics, adjacent to QBT's property valuation and proptech workflows.
- Intrum: Europe's largest credit management servicer, active in NPL servicing, debt recovery, and related software. A broad incumbent in the distressed-credit workflow that Gemini NPE Management System directly supports.
- Cerved: Italy's largest credit information and NPL/NPE data provider, serving banks, investors, and servicers across the same distressed-credit value chain that QBT's Gemini platform targets. Comparable as a broad incumbent in Italian credit data and decisioning.
- RealPage: Large US-based SaaS provider for real estate asset management, valuation, and property analytics. A broad incumbent comparable to QBT's Gemini Real Estate and Smart Appraisal proptech suite.
- FICO: Global leader in credit scoring, risk analytics, and AML software serving banks and lenders. Comparable as a broad incumbent in credit decisioning and risk analytics, the same end-market QBT addresses with UTOOL and Gemini.
- CRIF: Global credit bureau and decisioning platform offering credit risk, AML, and origination solutions to financial institutions. Comparable to QBT across credit risk analytics (FinVA) and consumer/business credit data products.
Emerging players
- Modefinance: Italian fintech providing AI-driven credit risk assessment and rating solutions for SMEs. An emerging player with overlapping NLP/AI capabilities in the same Italian credit risk market QBT serves.
Others
- Palantir Technologies: Enterprise AI/data analytics platform serving financial institutions and government clients. Comparable as a thematic adjacent in advanced data analytics, NLP, and AI-driven decisioning applied to financial services — the same conceptual layer as FinVA and Gemini.
Direct peers
- doValue: Leading Southern European NPL/NPE servicer managing distressed mortgage and unsecured credit portfolios. A direct peer because doValue operates in the same Italian NPE workflow that QBT's Gemini and Business Plan software supports.
- Matterport: Provider of 3D digital twin capture technology for real estate and built environments. Directly comparable to QBT's READ platform, which performs smartphone and drone-based 3D scanning to produce property digital twins and CAD floor plans.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
QBT social profiles
Digital presenceQBT compliance and trust
Trust signalCompliance1 record
QBT financial estimates
Financial estimateRevenue estimate
Valuation estimate
QBT leadership team
Management profileNumber of profiles
Profiles4 records
QBT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
QBT 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 QBT
What does QBT do?
QBT develops AI-powered algorithms and software for B2B clients across Fintech (Gemini NPE Management System, NPE/Business Plan credit valuation webservices, FinVA anti-money laundering), Proptech (Gemini Real Estate portfolio management, READ 3D scanning and Real Estate Advisory Drone, Smart Appraisal) and Human Digital Twin / Healthcare applications (Virtual Patient, Senior Companion). Solutions are delivered as white-label or in-house products on client mandates, often co-developed with Swiss and Italian research partners.
Is QBT a public or private company?
QBT is a private company. It is classified as corporate owned and is currently operating.
When was QBT founded?
QBT was founded in 2008. It employs 1 to 10 people.
Where is QBT based?
QBT is headquartered in Chiasso, Switzerland, in the Europe region.
How does QBT make money?
Two revenue lines are on record. Custom Software Development is the primary driver. The others are research Collaboration Services.
Who are QBT's main competitors?
Broad incumbents on record are CoStar Group, Intrum, Cerved, RealPage, FICO and CRIF. Modefinance is listed as an emerging player. Palantir Technologies is listed as an others. Direct peers are doValue and Matterport.
Does QBT have an API?
No public API is recorded for QBT.
What industry is QBT in?
QBT's product category is Fintech Software. Its primary akta.pro industry code is FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 541512 and its SIC code is 7371.