AI FinTech Index
Wealth & Advisory AI
V

Vinlivt

Vinlivt sells software to German insurance brokers and financial advisers that finds sales opportunities in their existing client base. With a client's consent it links bank accounts, recognizes the insurance, loan and investment contracts the client already holds, and flags gaps, duplicates and underinsurance for the adviser.

Advisers also get a portfolio dashboard called Bestandsradar, digital broker mandates, a client messenger, household budget tracking and an optional investment depot through its partner Evergreen. A free plan is permanent, and the Plus plan costs 49 euros a month net with AI contract recognition and multibanking included. Data is hosted in Frankfurt am Main.

Named customers include Fonds Finanz, Netfonds, VB Select and Covago. Vinlivt GmbH is based in Munich.

Last VerifiedOctober 3, 2026
Compare Vinlivt with other vendors
Founded
2021
Headquarters
Munich, Germany
Website
www.vinlivt.de
Categories
wealth-and-advisory, insurance-ai, customer-banking-agents
Assessment

Capability Axes

Capability grades

15 of 15 axes rated · 10 graded A or B

AI Capability
AI Centrality
BB on AI CentralityThe models are the engine of a core capability, layered on a product that would still function without them as a rules or workflow system.
Vendor Published

Contract recognition is where the AI sits, reading a client's linked bank transactions to find the insurance, loan and investment contracts they hold. The dashboard, messenger and budget tracking around it run without models.

Autonomy and Oversight Model
BB on Autonomy and Oversight ModelA written commitment that the models work alongside human judgment, with real review surfaces, short of the full control structure: commonly the threshold at which the system stops or what happens after it is wrong.
Vendor Published

The adviser decides what to raise with a client after recognition flags gaps, duplicates and underinsurance. What clients see directly in their own app is left unclear.

Model Risk Management and Transparency
CC on Model Risk Management and TransparencyTransparency is claimed in general terms with no mechanism a model validator could interrogate.
Vendor Published

Analysis follows the German standard for household finances numbered 77222, but how often recognition misses or mislabels a contract isn't published.

Operational and Outcome Evidence
BB on Operational and Outcome EvidenceVendor aggregate claims with real figures, or audited scale disclosures from a publicly listed company.
Vendor Published

Twelve customers are named, broker pools such as Fonds Finanz and Netfonds among them, and none comes with a figure.

AI Safety and Data Stewardship
CC on AI Safety and Data StewardshipGeneral assurances that do not answer the question this axis asks, which is whether one customer’s data trains models serving its competitors. Unbounded cross client learning stated with no boundary grades here too.
Vendor Published

Whether contract recognition learns from client transactions, or how one broker's client book is kept apart from another's, isn't addressed.

Regulatory and Compliance
GLBA and Data Privacy Posture
BB on GLBA and Data Privacy PostureA substantive privacy document that reaches the product itself, short of the subprocessor list or the full data handling detail.
Vendor Published

Clients must give explicit consent before a bank account is linked, and Vinlivt says it neither shares nor sells their data. The October 2022 privacy policy names a data protection officer.

Security Certifications and Trust Center
CC on Security Certifications and Trust CenterA single footer line, or certifications asserted without being enumerated, which is weaker than naming them because it invites an assumption a buyer cannot check.
Vendor Published

Continuous penetration testing and code review before each release are described, along with single sign on through SAML 2.0. No certification or audit report is named.

Regulatory Status and Licensure
BB on Regulatory Status and LicensureThe regulatory position is clearly stated and appropriate to the product, with part of the verification left to the buyer.
Vendor Published

Advisers can offer investments without their own § 34f license through the partner Evergreen's depot, and the plans build in German trade law compliance. No supervisor is named for Vinlivt or for the bank data link.

AI Governance and Bias Disclosure
CC on AI Governance and Bias DisclosureResponsible artificial intelligence committed to in policy language with no evaluation behind it, on a product whose bias surface is modest.
Vendor Published

Pitched as revenue intelligence, the platform hunts for cross selling chances in a broker's book. Spotting duplicated cover helps the client while replacing a contract earns commission, and no control between those motives is described.

AI Liability and Recourse
CC on AI Liability and RecourseMechanisms that enable challenge, such as audit trails and source traceability, with nothing standing behind the output and no route for the person affected.
Vendor Published

A misidentified contract falls on the adviser, who carries responsibility for the advice, and Vinlivt publishes no correction route or remedy.

Integration and Deployment
Model Supply Chain Disclosure
BB on Model Supply Chain DisclosureSubstantial partial disclosure, or a chain that is structurally short: an explicit in house build, on premise deployment, per customer instances, or zero retention at the model layer.
Vendor Published

Vercel, Zapier and Google are among the providers the privacy policy names, and Anthropic appears only for screening job applications. The provider behind contract recognition and the bank data link remain unnamed.

Core Systems and Integration Depth
BB on Core Systems and Integration DepthNamed systems or a documented public API, with the depth or the production evidence left open.
Vendor Published

An MVP connection add on and inSign signatures plug into the workflow, along with a multibanking interface, but there's no API documentation.

Deployment Model and Data Residency
BB on Deployment Model and Data ResidencyStated residency commitments or regional hosting options.
Vendor Published

Servers sit in Frankfurt am Main, and Vinlivt says data isn't mirrored to other jurisdictions, though its own privacy policy lists AWS and Cloudflare in the United States.

Commercial
Commercial Transparency
AA on Commercial TransparencyPublished per unit rates a buyer can price against before any conversation.
Vendor Published

Plus costs 49 euros a month net, a free plan sits below it, and AI credits run 19 euros per 1,250, so a broker can price the tool before calling sales. Plus Investment turns free once client depots reach 100,000 euros within six months.

Institution and Segment Coverage
BB on Institution and Segment CoverageNamed segments with dedicated material behind part of the coverage.
Vendor Published

Insurance brokers and financial advisers in Germany are the market, from single advisers to broker pools, and nothing points to customers outside the country.

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The index publishes no overall score or ranking. See what we assess and the methodology.

Commercial

Pricing

Vendor-published figures are labeled as such. Figures labeled “Estimated” are derived from third-party sources and have not been confirmed by the vendor.

Entry Price Pricing Basis Data Protection Terms Implementation Source
Free plan at 0 euros a month. Plus at 49 euros a month, net of VAT. Plus Investment at 0 euros a month once combined client depots reach 100,000 euros within six months.
 Monthly subscription with 30 days' notice and no fixed term. Free includes the Bestandsradar portfolio dashboard and portal, the digital broker mandate and compliance features for German trade law. Plus adds the chat messenger, fast track cancellation, the recommendation function, personal onboarding, live calls, the multibanking interface, household budget tracking, AI contract recognition, WhatsApp support and an optional investment depot. Plus Investment carries the Plus features at no monthly fee once combined client depot volume reaches 100,000 euros within six months, and the adviser shares the ongoing service fee on managed assets through the Evergreen partnership. Add ons cost 19 euros a month for the MVP connection, 49 euros for white label, 9 euros for inSign signatures and 9 euros for Media Studio; AI credits cost 19 euros per 1,250 credits. No commission is deducted on any plan. Not tiered on the pricing page. The security page states hosting in Frankfurt am Main, encryption in transit and at rest, and continuous penetration testing. No implementation fee is published. The free plan needs no credit card or contract, and Plus includes personal onboarding. Vendor Published

Prices taken from the vendor's own pricing page as of 3 October 2026, in euros, net of VAT. The Plus Investment plan is funded through the Evergreen investment partnership, so ask how service fees on client assets are split before comparing it with Plus.

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AI FinTech Index

The AI FinTech Index is an independent index that tracks changes to AI vendors in financial services. It holds 609 vendors across banking, lending, insurance, wealth, capital markets and financial crime compliance, each graded on the same 15 capability axes from public sources. No vendor pays for inclusion, placement, or rating.

Index Status
Last index update
October 18, 2026
The AI FinTech Index is an editorial reference, not a regulatory body. Vendor data is verified against published sources and public regulatory filings. Figures labeled “Estimated” have not been confirmed by the vendor. See the Methodology page for evaluation standards and limitations.
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