cardossier

What cardossier does

cardossier (legally Verein cardossier) is a Swiss non-profit association founded in 2019 that operates a peer-to-peer digital platform standardizing cross-company processes in the Swiss automotive industry. Its addressable use case is the vehicle changeover workflow, which occurs more than one million times per year in Switzerland, approximately 70% of which take place at garages. The platform connects garages, insurance companies, and cantonal road traffic offices through standardized APIs, enabling a fully digital, 24/7 vehicle registration, insurance confirmation, and admission process that replaces phone calls, emails, and physical visits.

The technical foundation is the SB4B distributed peer-to-peer workflow engine developed by Adnovum AG, deployed with Zero Trust Architecture, signed transactions, a central audit log, and early adoption of Self Sovereign Identity (SSI) for member and corporate identity. Each participating company operates its own node, and integration through the cardossier APIs automatically connects the participant to all other ecosystem members. Product surface includes the cardossier Platform, the Digital Vehicle Changeover Process, the Garage Portal, the eVIV Portal for preliminary traffic authorization, the Basic Record digital vehicle dossier, an Insurance Quote Function, and a forthcoming Datenmarkt (Data Market) for decentralized data exchange. Swiss Stable Coin integration enables micropayments within the workflow.

The organization is member-owned and operated on a non-profit basis, with revenue reinvested into platform development. Monetization consists of modest membership fees and transaction-based micropayments via Swiss Stable Coin, supplemented by a freemium one-month trial for garage onboarding. Distribution is delivered through embedded API integration into incumbent garage software (Autolina, imaweb), a standalone eVIV portal, and direct integration with insurer and road traffic office systems. Key member organizations include Emil Frey, PostFinance, die Mobiliar, AXA, AMAG, TCS, Porsche Schweiz, AutoMate Insurance, AGVS, and the pilot canton Strassenverkehrsamt Aargau (whose representative serves as President of the association).

Name

cardossier

Legal name

Verein cardossier

Website

https://cardossier.ch

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

cardossier (Verein cardossier) is a Swiss non-profit association operating a peer-to-peer digital platform that standardizes cross-company automotive processes, connecting garages, insurers, and cantonal road traffic offices for fully digital vehicle changeover and registration workflows.

Ownership category

akta.pro rank

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Non-profit Platform Operations: Cardossier operates as a non-profit association where membership fees and platform usage costs are kept minimal. Revenue is reinvested into platform development and functionality for members. The platform aims to become the standard platform for cross-company digital processes in the Swiss automotive market at fair non-profit conditions.
2. Transaction-based Micropayments: Through Swiss Stable Coin integration, micropayments are processed for transactions within the platform ecosystem, particularly for the vehicle transfer process involving small amounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Cardossier operates a peer-to-peer digital platform that standardizes cross-company business processes in the Swiss automotive industry. It connects garages, insurance companies, and road traffic offices through standardized APIs, enabling automated digital vehicle changeover, insurance confirmation, and registration processes. The platform is operated on a non-profit basis by the Verein cardossier association, with a free one-month trial for garages and membership-based pricing for ongoing services.

Product overview

cardossier is a non-profit digital ecosystem platform for the Swiss automotive industry that digitizes cross-company processes throughout the vehicle lifecycle. The core platform connects garages, insurance companies, and road traffic offices through standardized peer-to-peer APIs, enabling a fully digital vehicle changeover process. Key products include the cardossier Platform (core infrastructure), Digital Vehicle Changeover Process (primary use case), Garage Portal (workshop interface), eVIV Portal (registration handling), and the forthcoming Datenmarkt (Data Market) for secure decentralized data exchange. The platform is operated on a non-profit basis by the Verein cardossier association.

Differentiator

Problem solved

Functional benefit

Products and services

• cardossier Platform A peer-to-peer network platform that standardizes cross-company processes in the Swiss automotive industry through standardized APIs, connecting existing software systems of participating companies including garages, insurance providers, and road traffic offices. Built on SB4B by Adnovum with Zero Trust Architecture and Self Sovereign Identity (SSI) principles.
• Digital Vehicle Changeover Process The core platform capability that enables fully digital vehicle ownership transfer, connecting garages, insurance companies, and road traffic offices in a single automated workflow. Replaces manual phone calls, emails, and physical visits with a process that runs 24/7 including weekends.
• eVIV Portal (Electronic Preliminary Traffic Authorization) Digital portal for garage operators to handle the entire vehicle registration and licensing process in standardized form, from applying for insurance certificates to notifying road traffic offices. Available as a standalone web portal for garages without direct system integration.
• Digital Insurance Quote and Purchase Integration Insurance integration that enables garages to request insurance quotes and complete purchases directly from the application, in collaboration with AutoMate Insurance and PostFinance (Toni Digital), without requiring insurance broker training. AutoMate Insurance AG is the first fully integrated insurer on the platform.
• Garage Portal (cardossier Anwendungen) Standalone portal allowing garages to manage vehicle changeover processes, request insurance quotes, and submit applications to road traffic offices directly from their workshop software. Includes a free one-month trial for garages to experience the full digital vehicle transfer process.

Quantifiable outcome

• Digital vehicle transfer completed in just a few clicks from garage workstation
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

21 partnerships are on record, tiered core, major, supporting and minor.

• VNTR Innovation & Venturing (PostFinance)coreStrategic or Co-development PartnerVNTR Innovation & Venturing by PostFinance serves as innovation hub within the cardossier ecosystem. Mathias Strazza, Head VNTR at PostFinance and Vice President of cardossier, leads innovation processes and supports cardossier members with advice and assistance in innovation processes.
• AutoMate Insurance AGcoreTechnology or IntegrationFirst fully integrated insurance on cardossier platform, enabling complete digital insurance quote and purchase process. AutoMate Insurance is the first Swiss insurance to offer digital insurance purchase integrated directly into the vehicle transfer workflow through cardossier.
• Strassenverkehrsamt Kanton AargaucoreStrategic or Co-development PartnerPilot road traffic office partner that was first to implement digital vehicle transfer integration with cardossier. Sandro Fanti from Strassenverkehrsamt Aargau serves as President of Verein cardossier. The collaboration demonstrated successful government-business digital process integration.
• PostFinance AGcoreStrategic or Co-development PartnerPostFinance brings its innovation capabilities into the cardossier ecosystem as a member. The company utilizes the Open Innovation approach, integrating cardossier as a concrete example of collaborative innovation. Mathias Strazza serves as Vice President of cardossier.
• Adnovum AGcoreTechnology or IntegrationTechnology partner providing the SB4B platform foundation and hosting the cardossier business office. Adnovum developed the cardossier concept in their innovation lab and continues to provide technical development and platform operations. Team members Franziska Füglistaler (CEO) and Thomas Heynen (Board) are from Adnovum.
• die MobiliarmajorStrategic or Co-development PartnerMajor insurance partner and member hosting Live Sessions for cardossier members. Michelle Gruner represents die Mobiliar on the cardossier board. Partner in developing insurance integration use cases.
• Emil Frey AGmajorStrategic or Co-development PartnerMajor automotive dealer group that has adopted cardossier as a strategic initiative. Henri Lyon represents Emil Frey AG on the cardossier board. Largest automotive retail group in Switzerland.
• Schweizerischer LeasingverbandmajorStrategic or Co-development PartnerSwiss Leasing Association member representing leasing companies in the automotive sector, contributing to the ecosystem for cross-company vehicle lifecycle processes.
• Porsche Schweiz AGmajorStrategic or Co-development PartnerPremium automotive brand member contributing to platform development and ecosystem expansion for vehicle lifecycle management.
• AGVS | UPSA (Auto Gewerbe Verband Schweiz)coreChannel Partner/ Reseller/ DistributorSwiss automotive trade association representing garages. Hosted joint events with cardossier for garage onboarding. Markus Peter from AGVS provided hospitality for cardossier Live Session in Bern.
• Hochschule LuzernsupportingStrategic or Co-development PartnerUniversity of Applied Sciences and Arts providing academic expertise and research capabilities. Prof. Dr. Tim Weingärtner represents HSLU on the cardossier team. Originally involved in the 2016 Innosuisse project that initiated cardossier.
• Mobility GenossenschaftsupportingStrategic or Co-development PartnerSwiss car sharing cooperative and member of cardossier ecosystem, contributing to mobility and vehicle lifecycle use cases.
• AXAmajorStrategic or Co-development PartnerMajor Swiss insurance company and founding member that participated in the 2016 Innosuisse project initiating cardossier development.
• AMAG Import AGmajorStrategic or Co-development PartnerLargest automotive importer in Switzerland representing multiple brands. Founding member from the 2016 Innosuisse project that initiated cardossier.
• Garage E. Geissmann AGminorStrategic or Co-development PartnerVolvo dealership in Wohlen that recently joined cardossier and went live with digital vehicle transfer integration, demonstrating the garage onboarding process.
• Autolina.ch AGsupportingTechnology or IntegrationTechnology partner providing garage software integration with cardossier platform. Wolfgang Schinagl represents Autolina on the cardossier team.
• Imaweb AGsupportingTechnology or IntegrationTechnology partner providing garage software solutions integrated with cardossier platform for automotive dealers.
• SwissSign AGsupportingTechnology or IntegrationSwiss identity and signature services provider enabling secure digital transactions and identities within the cardossier ecosystem.
• TCS - Touring Club SchweizmajorStrategic or Co-development PartnerLargest Swiss automobile club and mobility service provider contributing to the automotive ecosystem.
• Volvo Car Switzerland AGmajorStrategic or Co-development PartnerVolvo brand importer in Switzerland with active participation through Christoph Romann on the cardossier team.
• Abraxas Informatik AGsupportingTechnology or IntegrationSwiss IT services provider and partner providing technology solutions for the cardossier ecosystem.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Adnovum AG: Adnovum AG is the technology partner that built the SB4B platform underlying cardossier and hosts the association's business office. While Adnovum is a broader IT services and software provider, it is the most operationally entangled entity with cardossier and a natural incumbent benchmark for its technology capabilities.
• TradeLens (Maersk/IBM): TradeLens was a blockchain-backed cross-company supply chain platform connecting shippers, carriers, ports, and customs authorities. It shares cardossier's industry-consortium model and cross-company process digitization approach, though in global shipping rather than automotive — and was wound down in 2022.
• Cox Automotive Europe: Cox Automotive provides dealer software, vehicle remarketing, and digital automotive solutions across European markets. It addresses overlapping garage and dealer workflows to cardossier, with broader product breadth but no Swiss-specific cross-company network effect.
• CDK Global: CDK Global is a major provider of dealer management software and integrated automotive retail solutions. It serves the same garage/dealer customer base as cardossier but as an established commercial software vendor, offering deeper workflow tools but lacking the multi-party industry-orchestration layer.

Regional players

• Auto-i-dat AG: Auto-i-dat is a Swiss vehicle data provider with a board seat on cardossier, operating adjacent automotive data services. It addresses overlapping participants in the Swiss automotive ecosystem and represents the kind of data-centric incumbent that could either integrate with or compete against the cardossier Datenmarkt.

Emerging players

• SwissSign AG: SwissSign provides Swiss digital identity, signature, and trust services — the same identity and trust layer that cardossier's SSI-based architecture is built on. As a cardossier partner, it represents the underlying enabling infrastructure for trusted digital transactions in the Swiss digital commons.
• Imaweb AG: Imaweb is a Swiss automotive dealer software provider integrated with cardossier. It serves overlapping garage and dealer customers and represents another garage-software incumbent that could compete with or complement the cardossier workflow layer.
• Autolina.ch AG: Autolina.ch is a Swiss garage management software provider with a board seat on cardossier and direct API integration to the platform. It is both a technology partner and the closest direct competitor in garage workflow software serving the same Swiss SMB garage customer base.

Direct peers

• We.trade: We.trade was a blockchain-based consortium platform connecting banks and corporates for cross-border trade. It shares cardossier's digital commons model and standardized API approach for cross-company process automation, though targeted at trade finance and now largely dormant — illustrating both the model and execution risk.
• TradeIX (Marco Polo Network): TradeIX operates the Marco Polo Network, a distributed ledger platform connecting banks, corporates, and logistics providers for cross-company trade finance workflows. Like cardossier, it builds a multi-party network with standardized APIs to digitize fragmented B2B processes, though its focus is global trade finance rather than vehicle lifecycle.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cardossier

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 cardossier