Raisin Pension
“Can a European savings marketplace become the regulated infrastructure backbone for both retail deposit access and embedded pension/financial products across the EU and UK?”
Raisin SE began as a marketplace connecting European retail savers to higher-yield deposits at partner banks, operating a 'one-time KYC' model that removed onboarding friction. The group expanded its regulatory footprint by building Raisin Bank AG, a fully licensed German bank that now operates a BaaS layer for FinTech partners — taking on fronting-bank roles for lenders like Wayflyer and BNPL providers like Mondu. Raisin Pension is the retirement savings vertical of this broader platform, leveraging Raisin's deposit infrastructure and regulatory licensing to offer pension and long-term savings products. The group's strategy centres on being both the consumer-facing marketplace and the regulated infrastructure behind third-party financial products.