Michael Stemmle, founder & CEO additiv (left) shaking hands with Deanno Basas, President & Managing Director at ATRAM Trust Corporation, on the signing of the digital wealth partnership agreement.
additiv partners with the world’s leading brands and financial institutions, giving them
the intelligence to maximize customer engagement and unleash growth.
Making investment services available to everyone, everywhere
We enable people to access personalized financial services at their time of need, by allowing leading brands and financial institutions to capitalize on digitalization.


Deliver services at scale with additiv DFS®
Our WealthTech platform, additiv DFS® connects regulated firms with brands looking to embed investment services into their offering.
Embed regulated investment services into context-relevant user journeys.
Orchestrate interactions between client channels, systems of record, regulated financial services and more.
Grow your customer base by integrating your regulated services into new distribution channels.
Embed investment services into your business
We’ve identified a range of businesses that can easily and quickly grow their addressable market and transform their customer experience through embedded wealth.
Retail and
challenger banks
Build recurring income streams by embedding saving and investment services.
Address the challenge of high customer acquisition costs (CAC) and add more services to your existing product set.

Employee financial
well-being providers
Remove retirement planning silos and combine insurance, pension and investment services.
Enable employees to take more responsibility over their financial planning and open opportunities for your company to help them.

IFAs and asset managers
Embed investment services into your own or third party channels to complement and expand product distribution.
Leverage digital capabilities to reach customers through a direct-to-customer (D2C) model.

Health insurance providers
Help clients to lower health premiums by investing early and compounding the value of their contributions.
Leverage unique insights from your customers’ lifestyles to help them achieve financial independence.

Pension and life
insurance providers
Remove retirement planning silos and combine insurance, investment and pension experiences.
Retain clients and grow wallet share by offering a complete range of succession products.

Super apps and
consumer platforms
Leverage customer engagement and data-driven insights to open up new investment income streams.
Help customers seamlessly manage their financial health, increasing the value of your ecosystem.

Ready-to-launch products
Launch enterprise-ready, out-of-the-box wealth management services. Built on our wealthtech platform, our pre-configured products deliver seamless and engaging interaction for all customer groups across all channels.
Hybrid Wealth Manager
Productivity and customer engagement tools with full investment services – whether the customer is advisor assisted, self-serviced or both.
Wealth Robo Advisor
Mobile-first application delivering rich customer experiences at scale, targeted at the self-service / assisted mass affluent segment.
Credit Engine
Comprehensive multi-lender and omni-channel distribution platform for secured and unsecured loans.
Risk Analytics Dashboard
Risk metrics, up-to-date, consistently applied to all portfolios and compaign management, near real-time.
White Paper
Embedded Wealth Management
In this report, we focus on one of the more unexplored areas of embedded finance: wealth management. We explore the embedded wealth opportunity (including market needs and use cases) and the importance of Banking-as-a-Service (Baas) alongside viewpoints from senior managers within leading industry players including Credit Suisse, Saxo Bank, Microsoft, Clarity AI and neobank TNEX.

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Book a session with digital wealth, embedded finance
or technology experts.