← Embedded Finance Index 2026

Earnix

“Can a decisioning-engine vendor become the AI brain behind every insurance and banking pricing/underwriting decision globally?”

Founded2001
HQRamat Gan, Israel
Total raised$100M+ (as of 2021)
Latest roundBuyout/LBO
Valuation$1B (Feb 2021)
IndustryVertical SaaS / Insurance & Banking (AI Decisioning)

The story

Founded 2001 as an analytics-driven pricing platform for insurance and banking, Earnix has evolved into an AI-powered intelligent decisioning platform spanning pricing, rating, underwriting, and product personalization. After reaching unicorn status in 2021, the company has pushed into generative and agentic AI (Earnix Copilot, Underwrite-It) and acquired Zelros to extend personalization capabilities. Its strategic angle on embedded finance is the 'modern approach to embedded insurance' — selling the decisioning layer that lets carriers offer personalized policies at point-of-sale rather than itself being an embedded-insurance distribution platform.

Last 12 months

—

Product timeline

2001

Earnix founded in Israel as analytics platform for insurance pricing· founding

2021

Raised $75M at $1B valuation led by Insight Partners — unicorn status· funding

2023

Acquired Zelros (referenced in privacy policy as 'now part of Earnix')· acquisition

2024

Launched Earnix Copilot — generative AI for pricing/underwriting productivity· product

2025

Launched Underwrite-It, expanded suite of composable solutions for intelligent insurance operations· product

The stack

1 layer disclosed in Earnix’s embedded-finance stack

Accounting

Sapiens IDITSuite (PolicyMaster) — via Earnix Price-It ConnectorVerisk (data partner)

Accounting gap: none

Earnix — frequently asked

Which accounting software does Earnix integrate with?

Earnix integrates with Sapiens IDITSuite (PolicyMaster) — via Earnix Price-It Connector and Verisk (data partner).

Where is Earnix headquartered?

Earnix is founded in 2001 and headquartered in Ramat Gan, Israel.

How much funding has Earnix raised?

Earnix has raised $100M+ (as of 2021) in total (latest round: Buyout/LBO; valuation: $1B (Feb 2021)).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Earnix and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

Your category, mappedHow your stack compares to Earnix and the other companies in its category.
Build vs. buyWhere a provider relationship would close a gap faster than building it.
A named analyst, not a form replyA short call to scope what's actually worth assessing for you.