“Can a digital wealth manager give German affluent clients true family-office-grade access to public and private markets?”
LIQID began as a digital wealth manager offering multi-asset CORE portfolios for affluent German clients, then expanded into private-markets access (Private Equity, Venture, Private Debt, Infrastructure) under the NXT and PRO brands — democratising strategies previously reserved for family offices. The addition of SAVE (money-market/bond portfolios) rounds out the product ladder from short-term liquidity to long-duration illiquids. Its strategic angle is being the German 'family-office-for-the-affluent', not an embedded finance platform.
Liqid discloses V-Bank AG as its sponsor bank, according to the Embedded Finance Index 2026.
Liqid does not disclose a bank charter of its own; its banking services are provided through V-Bank AG.
Liqid uses Deutsche Post Postident for KYC and identity verification.
Liqid's investing and wealth products are powered by V-Bank AG (Depotbank, in-house custody partner).
The Embedded Finance Index 2026 maps 3 layers in Liqid's stack: KYC (Deutsche Post Postident); Sponsor bank (V-Bank AG); Investing (V-Bank AG (Depotbank, in-house custody partner)).
Liqid is headquartered in Berlin, Germany.
Get a read on where your own stack stands against Liqid 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.