What Gubbi AG does

Gubbi AG is a German blockchain services company that provides a full-service digital asset issuance and management platform for banks, financial service providers, and enterprises in the DACH region. The company structures its offering around a proprietary "360° Value Chain" that bundles six service modules — Konzeption (advisory and business case modeling), Consulting (project planning, regulatory, tax, and legal opinions), Tokenisierung (smart contract development and asset tokenization on blockchain), Emission (primary-market sales process management plus a white-label sales application), Nutzbarkeit (wallet, Girokonto, and debit card via a white-label banking application with standard API), and Skalierung (secondary-market placement and ongoing asset issuance). Permit-required activities under KWG, WpIG, and ZAG, as well as tax and legal services, are explicitly delivered through licensed partner firms in Gubbi's network rather than in-house.

The underlying technology stack centers on blockchain-based tokenization with smart contract development capabilities, a white-label digital asset sales application, and a white-label digital asset banking application exposing a standard API for wallet, current account, and debit card functionality. The company does not appear to develop or use proprietary AI/ML components. Gubbi also operates an ESG framework that has been in place since 2021, including a compliance handbook, and is affiliated with five industry associations across Germany and Austria (Bundesverband Finanzdienstleistung AfW, Blockchain Bundesverband, Deutsches Finanzbildungsforum, Digital Asset Association Austria, Bankenverband). The management team consists of a 3-person executive board (CEO Tobias Eckl, Head of Development Matthias Zandanel, Head of Licensed Blockchain Solutions David Schnetzer) and a 6-person supervisory board chaired by founder Peter Härtling.

The business model is B2B enterprise with three revenue streams: professional services consulting across the value chain; technical implementation and tokenization services; and white-label licensing of the digital asset sales and banking applications. Distribution is direct via consultative field sales, supported by a Calendly-based 30-minute expert consultation funnel, a gated Exposé (prospectus) download for lead capture, and LinkedIn presence. Pricing is not publicly disclosed. The company is headquartered between Hamburg, Grünwald, and Nürnberg (registered seat: Amtsgericht Nürnberg, HRB 44272), with reported headcount of 11–50 employees. No funding rounds, revenue figures, named customers, M&A activity, patents, or third-party certifications are disclosed in the available data.

Name

Gubbi AG

Legal name

Gubbi AG

Website

https://gubbi.ag

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Gubbi AG is a German blockchain services platform that delivers an end-to-end 360° Value Chain for digital asset tokenization, white-label sales and banking applications to banks, financial service providers, and enterprises across the DACH region.

Ownership category

akta.pro rank

Product category

Blockchain Digital Asset Services

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)

akta.pro primary industry

RWA Tokenization Platforms (asset onboarding, structuring, issuance) (FSAPAIAC)

akta.pro secondary industries

Tokenized Securities & Capital Markets Infrastructure (equities, bonds, funds, ATS/MTF connectivity) (FSAPAIAD), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Digital Asset Custody & Wallet Infrastructure for Institutions (MPC/HSM, key mgmt, policy controls) (FSAPAIAE)

Keywords

• Digital asset tokenization
• Blockchain consulting services
• Smart contract development
• White label banking apps
• Asset tokenization platform

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Digital Asset Consulting and Advisory Services: Full-service consulting spanning the entire 360° value chain from conception through scaling. Services include competitive analysis, business case modeling, regulatory and tax advisory, project planning, sales process management, and secondary market placement advisory.
2. Tokenisierung and Technical Implementation: Development services for smart contracts, asset tokenization, blockchain deployment, and provision of tokens to clients.
3. White-Label Digital Asset Solutions: Provision of white-label digital asset sales applications and banking applications (wallet, current account, debit card) to financial institutions and companies, likely through licensing or setup fees.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Gubbi AG delivers an end-to-end 360° Value Chain for digital asset tokenization aimed at banks, financial service providers, and enterprises. Services span strategic consulting, regulatory and tax advisory, smart contract development, blockchain launch and token provisioning, white-label digital asset sales applications for primary markets, and a white-label digital asset banking application providing wallet, Girokonto, and debit card via standard API.

Differentiator

Problem solved

Functional benefit

Products and services

• Gubbi 360° Value Chain All-in-one full-service offering for banks, financial service providers, and enterprises covering conception, consulting, tokenization, emission, usability, and scaling of digital assets.
• White Label Digital Asset Sales Application White-label sales application enabling clients to run the primary-market distribution of digital assets under their own brand.
• White Label Digital Asset Banking Application White-label banking application providing wallet, current account (Girokonto), and debit card functionality for digital assets with standard API integration.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Bundesverband Finanzdienstleistung e.V. AfWminorOthersIndustry association membership displaying affiliation with the German Federal Association of Financial Services (AfW), demonstrating engagement with the German financial services regulatory landscape.
• Blockchain BundesverbandminorOthersMembership in the German Blockchain Association (Bundesblock), showing commitment to blockchain industry standards and participation in the German blockchain ecosystem.
• Deutsches FinanzbildungsforumminorOthersAffiliation with the German Financial Education Forum, demonstrating involvement in financial literacy and education initiatives within the German market.
• Digital Asset Association Austria (DAAA)minorOthersMembership in the Digital Asset Association Austria, extending Gubbi's industry network across the DACH region to include Austrian digital asset ecosystem.
• Bankenverband (German Banking Association)minorOthersAffiliation with the German Banking Association (Bankenverband), demonstrating engagement with major German banking institutions and regulatory dialogue.
• Licensed Network PartnerscoreStrategic or Co-development PartnerGubbi explicitly states that permit-required activities (KWG, WpIG, ZAG regulated activities) as well as tax and legal advisory services are provided by licensed partners from Gubbi's network. These partnerships are critical to Gubbi's service delivery model, enabling it to offer compliant financial services through its 360° value chain while relying on partners for regulated activities.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Tokeny: Luxembourg-based tokenization platform focused on issuance, KYC/AML and secondary market infrastructure for security tokens. Comparable as a European B2B tokenization vendor targeting banks and regulated issuers.
• Taurus Group: Swiss-headquartered digital asset infrastructure provider offering custody, tokenization and issuance tooling to banks and financial institutions in Europe. Directly comparable to Gubbi's wallet, tokenization and white-label banking stack targeting DACH-region banks.
• Bitbond: Berlin-headquartered tokenization platform specializing in regulated security tokens and asset tokenization for SMEs and financial institutions. Comparable as a DACH-based tokenization vendor serving enterprise issuers.
• Securitize: US-headquartered tokenization platform offering end-to-end issuance, compliance and investor management for security tokens. Comparable as a primary tokenization platform serving institutional issuers across the digital asset lifecycle.
• Cashlink Technologies: Frankfurt-based tokenization infrastructure provider offering white-label tokenization-as-a-service to banks and corporates in the DACH region. Closely comparable as a German white-label digital asset issuance platform.
• Tangany: Munich-based regulated digital asset custody and infrastructure provider serving European banks and asset managers. Comparable as a German-headquartered B2B digital asset infrastructure vendor with white-label wallet/custody capabilities.

Broad incumbents

• Sygnum Bank: Swiss-regulated digital asset bank offering custody, tokenization, brokerage and B2B banking infrastructure. Comparable as a regulated financial institution providing tokenization and white-label digital asset services to institutions.
• Hauck & Aufhäuser: German private bank with an established digital asset and crypto custody offering for institutional clients. Comparable as a DACH incumbent operating in regulated digital asset services adjacent to Gubbi's target market.
• METACO (Ripple): Swiss-headquartered institutional digital asset custody and orchestration platform acquired by Ripple, serving global banks. Comparable as an enterprise-grade digital asset infrastructure vendor with broader custody and orchestration scope than Gubbi.

Emerging players

• 21X: Frankfurt-based regulated trading venue for tokenized securities and digital assets under EU DLT Pilot Regime. Comparable as a DACH-focused regulated infrastructure provider in the tokenized securities space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gubbi-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Gubbi AG