← Embedded Finance Index 2026

Hakuna

“Can a merchant-first embedded warranty platform become the default product-protection layer for European retail?”

Founded2021
HQUnterhaching (Munich), Germany
Total raised~€4M
Latest roundSeed, 2022
IndustryFintech / Insurtech

The story

Founded 2021 as an embedded product-protection / warranty insurance platform for European e-commerce and retail merchants. Hakuna lets merchants plug extended-warranty, accidental-damage and theft protection into their checkout as a white-label SaaS, earning recurring commission per policy sold. The company sits in the embedded-insurance category alongside Qover, Simplesurance and Cover Genius, but with a merchant-first, API-first positioning tailored to the DACH retail market.

Last 12 months

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Product timeline

2021

Founded as Product Protection JKM GmbH in Munich· pivot

2022

€4M seed round led by Earlybird; expands embedded product-protection platform for e-commerce and retail merchants· banking

The stack

2 layers disclosed in Hakuna’s embedded-finance stack

Payments / PSP

Hakuna Checkouts (self-operated)

Insurance

in the full report

Accounting gap: minor

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Hakuna — frequently asked

Who is Hakuna's payment processor?

Hakuna processes payments through Hakuna Checkouts (self-operated).

Which insurance provider does Hakuna partner with?

Hakuna's embedded insurance is provided by Hakuna (self-operated).

What is Hakuna's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Hakuna's stack: Payments / PSP (Hakuna Checkouts (self-operated)); Insurance (Hakuna (self-operated)).

Where is Hakuna headquartered?

Hakuna is founded in 2021 and headquartered in Unterhaching (Munich), Germany.

How much funding has Hakuna raised?

Hakuna has raised ~€4M in total (latest round: Seed, 2022).

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