← State of Embedded Finance 2026

Additiv

Can a single orchestration platform let any financial institution or enterprise brand embed wealth, banking, credit, and insurance services without replacing their core infrastructure?

HQZürich, Switzerland
FoundersMichael David Stemmle, Silvan Schriber, Adrian Michael Weiss
IndustryInfrastructure / BaaS
The story

Additiv AG (registered in Zürich) operates as an embedded finance orchestration platform, offering white-label wealth management, banking (addBanking), credit, and insurance (addInsurance) capabilities to financial institutions and enterprises. The platform is API-first, cloud-native, and modular, designed to allow banks, insurers, and non-financial brands to embed regulated financial services into their own channels or super-apps without replacing core systems. Its strategy is differentiated by a broad product suite spanning wealth, banking, credit, and insurance orchestrated from a single platform.

Last 12 months
2024-11
2024
Product timeline
2024
AXA Switzerland launches bancassurance solution powered by additiv platform.· banking
2024
additiv launches Wealth Solution Builder for financial institutions (noted by IBS Intelligence).· banking
The stack
Lending
Credit orchestration (embedded credit via addBanking/platform)Working capital (described in platform capabilities)
Accounting gap: none