innus

What innus does

innus GmbH is a Frankfurt am Main–based, founder-owned private software company founded in 2019 that builds and operates innus.BankSuite, a cloud-native, modular core banking system targeted at banks and other regulated financial institutions in the DACH region. The platform is built on a Java Spring microservices stack orchestrated via Kubernetes, with an API-first design that exposes internal and external integrations through identical interfaces and separates business logic from technical infrastructure; the system is developed and operated entirely in Germany. innus.BankSuite is organized into functional banking domains — Accounting, Organization, Product Management, Distribution, Risk Management, and Third-Party Systems — that can be adopted modularly, allowing clients either to deploy a full core or to insert individual modules into legacy landscapes such as Atruvia environments. The company monetizes through a Pay-per-Use software licensing model (positioned to reduce client operating costs by up to 40%), supplemented by implementation services, and distributes primarily through direct enterprise sales with a supporting partner ecosystem of 14 technology, compliance, KYC/AML, payments, capital-markets, infrastructure, and consulting partners including BdB and ScaleUp Technologies.

The company's primary customers are banks and financial institutions, with secondary segments covering newly licensed FinTechs, E-Money institutions, and payment service providers seeking lean, scalable core infrastructure. innus maintains an active compliance posture, with audited internal controls under IDW PS 951 (ISAE 3402 equivalent), data-center infrastructure at an ISO 27001-certified partner, GDPR-compliant operations, and proactive conversion of customer contracts to DORA in October 2024 following BaFin guidelines. Management and ownership are concentrated among six named shareholders with deep prior experience in core banking, risk management, regulatory affairs, data-center operations, and banking-IT transformation, anchored by a team combining over 100 years of relevant experience. The business has no disclosed external funding, no disclosed revenue, and operates from a 11–50 employee base, positioning it as an early-stage, founder-financed vendor in a market historically dominated by large incumbents.

Name

innus

Legal name

innus GmbH

Website

https://innus.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

innus GmbH is a Frankfurt-based, founder-owned software company founded in 2019 that develops and operates innus.BankSuite, a cloud-native, modular, API-first core banking system for banks, FinTechs, and E-Money institutions in the DACH region, sold under a Pay-per-Use licensing model.

Ownership category

akta.pro rank

Product category

Core Banking Software

NAICS

Computer Systems Design Services (541512)

SIC

Services-Computer Integrated Systems Design (7373), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Enterprise Architecture & IT Operating Model (BPAHAEAB)

Keywords

• Core banking software
• Banking technology platforms
• Cloud-native banking
• Regulatory compliance banking
• Modular banking systems

Headquarters

HQ city

Frankfort

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing - Pay-per-Use Model: The innus.BankSuite operates on a Pay-per-Use model that reduces operating costs by up to 40%. This suggests a usage-based or consumption-based pricing structure for software licensing.
2. Core Banking Software Subscription: Modular banking software licensing for financial institutions, with components for customer management, accounts, payments, accounting, and regulatory compliance.
3. Implementation Services: Collaborative implementation approach with direct contacts accompanying projects from the beginning. Integration into existing systems with step-by-step introduction of new functionalities.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels4 records

Core offering

innus develops and sells innus.BankSuite, a modular, API-first, cloud-native core banking system for banks, E-Money institutions, and financial service providers in Germany. It handles central banking functions including customer management, accounts, payments, accounting, product management, distribution, risk management, and regulatory reporting. The system is offered under a Pay-per-Use licensing model with collaborative implementation, supporting both full core replacement and selective integration into existing system landscapes.

Product overview

innus offers the innus.BankSuite, a modular core banking system designed for financial institutions in Germany. The system is built on an API-first, cloud-native architecture and consists of multiple functional modules covering accounting, organization, product management, distribution, risk management, and third-party systems integration. The core platform can operate as a complete core banking system or integrate selectively into existing landscapes. Functionality is extended through an open partner ecosystem that connects specialized solutions for payments (bank-verlag, CPG Finance Systems), compliance (COPS, DX Compliance Solutions, Foconis AG), KYC/AML (Fourthline, Hawk AI, Trunarrative), capital markets (Upvest), infrastructure (Myra Security, ScaleUp Technologies), and consulting (msg for banking, X-Wert). The Pay-per-Use commercial model aims to reduce operating costs by up to 40%.

Differentiator

Problem solved

Functional benefit

Brands

• innus.BankSuite: A modular banking system for financial institutions that reduces complexity in legacy system landscapes and creates the foundation for controlled, future-proof development. It covers core banking processes from customer and account management to payments and accounting.

Products and services

• innus.BankSuite Modular, API-first, cloud-native core banking system for banks, E-Money institutions, and financial service providers in Germany. It handles central banking processes including customer and account management, payment traffic, accounting, product management, distribution, risk management, and reporting, and is offered on a Pay-per-Use licensing model with collaborative implementation.
• innus Partner Integration Ecosystem An open partner ecosystem extending innus.BankSuite with specialized third-party solutions across payments (bank-verlag, CPG Finance Systems), compliance (COPS, DX Compliance Solutions, Foconis AG), KYC/AML (Fourthline, Hawk AI, Trunarrative), capital markets (Upvest), infrastructure (Myra Security, ScaleUp Technologies), and consulting (msg for banking, X-Wert). Customers consume integrated partner capabilities through the innus.BankSuite alongside the core system.

Quantifiable outcome

• Up to 40% lower operating costs through Pay-per-Use model and lean architecture
• +3 more outcomes

Named customers2 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

Integration14 records

AI capability2 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and flagship.

• bank-verlagcoreTechnology or IntegrationInfrastructure and network solutions for payment traffic, card processes, and banking services in the German banking market.
• BdB (Bundesverband deutscher Banken)flagshipStrategic or Co-development PartnerIndustry association of private banks in Germany and central platform for exchange, regulation, and market development.
• COPScoreTechnology or IntegrationSoftware solutions for monitoring business processes, risk management, and regulatory control mechanisms in banking operations.
• CPG Finance SystemscoreTechnology or IntegrationTechnology infrastructure for payment traffic and gateway solutions for connecting external payment networks.
• DX Compliance SolutionscoreTechnology or IntegrationSpecialized solutions for regulatory requirements, compliance processes, and supervisory documentation.
• Foconis AGcoreTechnology or IntegrationSoftware for internal control systems, regulatory monitoring, and fraud prevention in banking business.
• FourthlinecoreTechnology or IntegrationDigital identity verification and KYC onboarding for regulated financial institutions and FinTech platforms.
• Hawk AIcoreTechnology or IntegrationAI-based transaction monitoring for detecting money laundering and financial crime.
• msg for bankingcoreImplementation/ SI/ Consulting PartnerAdvisory and system integration for banks in digitization, regulation, and IT transformation.
• Myra SecuritycoreTechnology or IntegrationProtection of critical digital infrastructure against cyber attacks and DDoS attacks.
• ScaleUp TechnologiesflagshipTechnology or IntegrationCloud and hosting infrastructure for highly available IT systems and scalable platforms. Operates 100% with renewable energies.
• TrunarrativecoreTechnology or IntegrationDigital platform for identity verification, fraud prevention, and KYC processes in the financial sector.
• UpvestcoreTechnology or IntegrationAPI-based infrastructure for securities trading, custody management, and investment services.
• X-WertcoreImplementation/ SI/ Consulting PartnerAdvisory and implementation of IT and transformation projects in the banking environment. Founder Bernd Greitemeier was founder of X-Wert.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Finastra: Large global financial software provider offering core banking, payments and lending solutions. Competes head-to-head with innus in European bank modernization, with established reference base across German banks.
• Temenos: Global incumbent in core banking software serving banks across retail, corporate and wealth. Competes with innus for the same German private and community bank buyers, but with a much broader and older product suite.
• SAP Banking Services: ERP and banking solutions from a global software incumbent with deep penetration in large German banks. Competes with innus on core systems modernization, especially in larger institutions, with very broad product portfolio.

Direct peers

• Mambu: Cloud-native, composable core banking platform serving banks, FinTechs and lenders globally. Directly comparable to innus.BankSuite in modular SaaS core banking delivery and target customer base, though at much larger scale.
• Thought Machine: Cloud-native core banking technology provider (Vault) targeting Tier 1 and challenger banks with a modern, API-first ledger. Closely comparable in technology thesis to innus.BankSuite, focused on replacing legacy core systems.
• Avaloq (Fujitsu): Core banking and wealth management platform strongly focused on private banks and wealth managers in DACH and Switzerland. The most directly comparable peer for innus's target buyer segment (German private banks), though Avaloq targets larger institutions.

Emerging players

• Backbase: Digital banking platform focused on customer engagement layer and digital transformation for banks. Adjacent rather than direct competitor to innus's core banking play, but increasingly moving downstream into core banking aggregation.
• 10x Banking: Cloud-native core banking challenger bank platform. Pursues the same API-first, cloud-native thesis as innus but typically targeting larger challenger banks and Tier 1 migrations.
• ndgit: Munich-based banking middleware and API platform that connects banks to FinTech ecosystems. Adjacent to innus's third-party integration focus and comparable in DACH regional positioning and target banks.

Regional players

• Solaris SE: Berlin-based Banking-as-a-Service and embedded finance platform serving European digital banks and FinTechs. Comparable to innus's FinTech/E-Money segment use cases, with overlapping German market presence.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/innus

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 innus