Zins.li

What Zins.li does

Zinsli Finance AG (operating as Zins.li) is a Swiss FinTech founded in 2023 and headquartered in Zürich that operates the first centralized digital platform for managing rental deposits (Mietdepots) in Switzerland. The platform connects three stakeholder groups through distinct interfaces: a Landlord Platform for property managers and landlords to manage rental collaterals digitally, a Tenant Platform that gives tenants choice among verified deposit products (savings accounts, insurance policies, precious metals, or crypto-yield products), and a Financial Service Provider Platform for banks and insurers to automate account opening, onboarding, and lifecycle management of deposit accounts via standardized APIs. An additional Full Service offering provides fully outsourced administrative management of rental deposit accounts for property managers and landlords.

The underlying technology is a multi-sided platform with standardized API connections to bank core systems, integration with property management software (Wincasa, Fairwalter, GaraioREM), and automated digital communication between tenants and landlords. Compliance and security are core technical pillars: Zinsli has obtained FINMA conformity, a non-action letter for insurance brokerage, and successful implementation of the VRA banking standards with a major Swiss bank, with ISO 27001 certification scheduled for completion in Q4 2025. Penetration testing, full data backup, transaction logging, and GDPR/Swiss DSG compliance are also in place.

Zinsli's business model is built around a freemium structure: the Landlord Platform is offered free of charge with no setup or transaction costs, while revenue is generated from financial service provider partners through managed services contracts, transaction or referral fees on deposit products sold via the platform, and subscription-based Full Service outsourcing for property managers. The addressable market is substantial, with over CHF 10 billion reportedly held in Swiss blocked rental deposit accounts, and the company operates across Switzerland with a stated DACH regional focus.

Name

Zins.li

Legal name

Zinsli Finance AG

Website

https://zins.li

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Zinsli is a Swiss FinTech that operates a digital platform connecting tenants, landlords, and financial service providers to digitalize the rental deposit process, offering automated workflows, API integration for banks and insurers, and a fully outsourced Full Service option for property managers.

Ownership category

akta.pro rank

Product category

PropTech Rental Deposit Software

NAICS

Finance and Insurance (52)

SIC

Loan Brokers (6163)

akta.pro primary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

akta.pro secondary industry

Loan Servicing & Special Servicing (Delinquency Management) (FSAKAJAG)

Keywords

• Rental deposit platform
• Property fintech software
• Tenant landlord solutions
• Digital collateral management
• Rental security deposit

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Platform Services for Landlords: Zinsli provides a digital platform for landlords to manage rental collateral. The service is offered free of charge to landlords with no setup or transaction costs, suggesting revenue is generated from financial service provider partners rather than landlords directly.
2. Financial Service Provider Partnerships: Zinsli handles complete processing of rental collaterals for banks and insurance providers, including account opening to closing. Financial service providers benefit from streamlined processes, lower costs, and new partnerships through the platform.
3. Full Service Management: Fully outsourced solution for property managers and landlords - Zinsli handles entire administrative process of rental deposit accounts from A to Z, providing digital, legally compliant, and reliable management.
4. Transaction/Solution Fees: Partners including goCaution, Glarner Kantonalbank, and BB-Wertmetall offer rental deposit solutions through the platform. Zinsli likely earns transaction or referral fees from these financial product partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Zinsli Finance AG operates a Swiss digital platform that connects tenants, landlords, and regulated financial service providers to manage the rental deposit (Mietkaution) process end-to-end. The platform allows tenants to select and apply for rental deposit products such as bank guarantees, surety bonds, and metal-backed deposits, while providing landlords with a free management interface for tracking, releasing, and replacing deposits digitally.

Product overview

Zins.li is a Swiss rental collateral solutions platform composed of four integrated offerings: a Landlord Platform for property managers to manage rental collaterals digitally, a Tenant Platform enabling tenants to choose and manage their deposit solution, a Financial Service Provider Platform for banks and insurers to automate collateral account management, and a Full Service add-on that fully outsources deposit account administration. All offerings operate on a single central digital platform connecting tenants, landlords, and financial partners, with the Full Service expanding into complete A-to-Z administrative outsourcing.

Differentiator

Problem solved

Functional benefit

Products and services

• Landlord Platform Digital interface for landlords and property managers to track, manage, and release rental deposits online, replacing paper-based deposit handling and integrating with ERP systems.
• Tenant Platform Web-based application enabling tenants in Switzerland to apply for and manage their rental deposit products, compare offerings from partner banks and insurers, and complete deposit placement digitally.
• Financial Service Provider Platform B2B platform enabling regulated financial service providers (e.g., goCaution, Glarner Kantonalbank, BB-Wertmetall, Plusplus) to distribute their rental deposit products (surety bonds, bank guarantees, metal-backed deposits) and process applications through standardized API connections.

Quantifiable outcome

• CHF 10 billion+ addressable market in Swiss rental deposits
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Nine partnerships are on record, tiered core, secondary and minor.

• Wincasa AGcoreStrategic or Co-development PartnerMajor property management company partnership. Wincasa is one of Switzerland's largest property management firms. Marco Kissling (Head Digital Products & Ecosystems) provides testimonial praising the Zinsli team's innovative approach and shared values.
• Fairwalter AGcoreStrategic or Co-development PartnerProperty management company partnership. CEO Samuel Baumgartner endorses Zinsli, stating the collaboration is efficient, uncomplicated, and fits their way of working.
• Glarner KantonalbankcoreStrategic or Co-development PartnerCantonal bank partnership offering rental deposit solutions on the platform. CFO Roland Wickart highlights the partnership's potential to revolutionize outdated rental security deposit processes and improve customer experience.
• goCautioncoreTechnology or IntegrationRental deposit solution provider integrated into the Zinsli platform. Founder/CMO Ylber Muhaxheri emphasizes the open collaboration and joint development of innovative solutions.
• BB-WertmetallsecondaryTechnology or IntegrationPrecious metals company offering alternative rental deposit solutions (likely deposit products backed by precious metals) on the Zinsli platform.
• SynpulsesecondaryStrategic or Co-development PartnerFinancial services consulting firm partnership. Synpulse is featured as a current partner, indicating strategic consulting and potentially implementation support.
• GaraioREMsecondaryChannel Partner/ Reseller/ DistributorReal estate management company that integrates Zinsli's digital solutions into their property management offerings.
• SHE EstateminorChannel Partner/ Reseller/ DistributorReal estate company partner offering Zinsli's rental collateral solutions to their clients.
• Plusplus AGsecondaryTechnology or IntegrationFintech company co-founded by Benjamin Rossi offering Bitcoin and stablecoin returns. Partnership enables Zinsli users to access innovative financial products tied to cryptocurrency yields.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Wecover: Berlin-based insurtech building digital insurance products distributed via APIs. Comparable as an emerging European player that similarly uses API-driven distribution to embed alternative financial/insurance products for end users.
• MoneyPark: Swiss mortgage and real estate finance platform. Comparable as a Swiss PropTech/FinTech focused on intermediating financial products between consumers and financial institutions in the housing/rental lifecycle.

Direct peers

• Kautionsfrei: German digital rental deposit provider offering bank-backed and insurance-backed deposit alternatives. Competes head-on in the same rental deposit niche, with a comparable landlord/tenant/FSP value proposition.
• goCaution: Swiss rental deposit insurance provider integrated into the Zinsli platform. Operates in the same Swiss rental deposit space, offering an insurance-based alternative to cash blocked accounts for tenants.
• BB-Wertmetall: Swiss provider of precious-metal-backed rental deposit solutions, integrated into Zinsli. Offers an alternative deposit product class (gold/silver) to the same Swiss landlord/tenant base.
• Kautionskasse AG: Germany's leading specialist for digital rental deposit solutions (cash deposits and deposit guarantees). Operates a similar platform model in a closely adjacent DACH market, targeting landlords, tenants, and financial partners.

Broad incumbents

• Solaris SE: Berlin-based embedded banking/ Banking-as-a-Service platform powering financial products for European partners. Comparable as a broader embedded finance infrastructure player enabling FSPs to launch and distribute deposit-adjacent products.
• Treezor: French BaaS provider offering regulated payment and banking infrastructure to fintechs and corporates. Comparable as a broader embedded finance incumbent whose platform model overlaps with how Zinsli serves its FSP partners.

Others

• Hypothekarbank Lenzburg: Swiss regional bank offering rental deposit accounts among other banking products. Relevant as a Swiss incumbent that competes for the same deposit accounts Zinsli digitises, but as a balance-sheet lender rather than a platform.
• PostFinance: Major Swiss retail bank offering rental blocked accounts. Represents the traditional incumbent offering in the deposit market Zinsli is digitising — adjacent but not a direct platform competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@Zinsli-Mietdepot
• LinkedInlinkedin.com/company/zinsli-finance-ag/about

Compliance4 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 Zins.li