additiv Orchestration Platform for Wealth and Insurance

additiv is a Zurich-headquartered software company that provides an orchestration platform for banks, insurers, asset and wealth managers and non-financial brands. It addresses the difficulty of launching digital investment, pension and insurance propositions on top of fragmented legacy cores. In June 2026 the company announced it had been acquired by Temenos.

The platform aggregates data into a single orchestration layer that sits above existing core systems. addWealth covers hybrid and goal-based investing and retirement planning, addInsurance distributes embedded life and non-life products from partner insurers, addCredit distributes third-party loans and addBanking connects regulated BaaS providers. An AI Studio and a sourcing marketplace complete the stack. Case studies on the site include PostFinance, Deka and HAYAH.

• Orchestration layer: Aggregates data and processes above existing core banking and insurance systems.
• addWealth: Supports hybrid advice, goal-based investing and retirement planning.
• addInsurance: Embeds life and non-life products from partner insurers into digital journeys.
• addCredit and addBanking: Distribute third-party loans and BaaS accounts, cards and payments.
• AI Studio: Provides AI tooling on top of the orchestration platform.
• Sourcing: Connects institutions with product providers through one marketplace.

A Vietnamese bank can launch goal-based fund investing in its app without changing its core banking system. A life insurer can offer digital retirement savings journeys combined with protection products. A retailer or e-wallet can embed partner insurance and credit offers at checkout.

Institutions can launch digital wealth, pension and insurance services without replacing their core systems. The site reports that Deka added more than EUR 1.3 billion in assets within 15 months and PostFinance gathered over CHF 2 billion in new assets on the platform. Partner products for insurance, credit and banking can be sourced and embedded through one integration.

Banks and insurers in Southeast Asia are adding digital wealth and embedded insurance to grow fee income from a rising affluent class, but legacy cores make new launches slow. Orchestration layers that reuse existing systems and plug in partner products are becoming a common route to faster launches.

Headquartered in Zurich (Additiv AG) with offices in Singapore, Frankfurt, Dubai, London, Jakarta and Makati City. Acquired by Temenos, announced June 2026; the additiv brand remains in use. Holds an EcoVadis sustainability assessment and reports around 200 employees.