AI FOR FOUNDERS AND STARTUPS

Financial data infrastructure for AI companies building the future of finance.

Consented, real-time access to financial data through a single API. Built since 2018 and used by millions across Europe.

Talk to our team Explore the API

The model works. Then a real user shows up.

More and more AI products are being built for consumer finance, wealth copilots, pension advisors, insurance optimisers, smart PFMs. The models work in demos. Then a real user shows up, and the whole thing stalls on the same question: where does the data come from?

The honest answer: it lives at other banks, insurers, pension providers and wealth platforms. Getting at it legally and at scale across Europe is a project that eats a year and a team. Screenshots and manual entry don't scale.

That's what Insurely is. We did the work so you don't have to.

Insurely at a glance

Insurely is the data layer underneath your AI product. Nothing more, and nothing less.

We don't ship models. We don't ship a competing app. We don't want your AI roadmap. We don't store personal data longer than needed.

We're the plumbing.

We're the data infrastructure layer that makes your product work. Every day, 24 hours a day.

Why this conversation matters now

A few things are true at the same time, and you've probably felt all of them.

The model or UX isn't the moat anymore.

Every founder we talk to has access to the same frontier LLMs you do. What separates the products that survive is what they feed the model, and in fintech, the answer is real user financial data and context that the model can use.

Self-reported data has a ceiling.

You can ask a user to type in their pension provider and current balance. Most won't, because they don't know, or don't have the energy. The 20% who do are not your average user, they're the most patient people on the internet, and your model is now trained on a biased sample of them.

Building the data layer yourself is a year you don't have.

Direct integrations with hundreds of European institutions, in multiple regulatory regimes, with consent flows that hold up to legal review, plus the ongoing work of keeping it all alive, that's a real engineering org. You probably have some really talented people in your engineering team. Spend them on the thing only you can build, and let us do the tedious maintenance to old-school financial systems.

FIDA is coming. And so is PSD3, PSR, AI act, revised GDPR, and the Data act..

Regulated data access in Europe is consolidating into a small set of legitimate paths, and the scrappy workarounds will close. Better to be on the right side of that now than to rebuild later. We’ll make sure your data access always follows local and European regulations.

How Eijra shipped an AI insurance product without building the data layer

Eijra is a Stockholm-based AI fintech building the system of record for personal insurance. Users authenticate with the Swedish SSO BankID, and Eijra's AI layer surfaces gaps in coverage, duplicate policies and overpriced premiums across all their providers — automatically, without the user typing anything in.

That product doesn't exist without a real data layer underneath it. Insurance data in Europe is fragmented across hundreds of providers and dozens of formats. Before they could build the AI, someone had to solve the data problem.

They didn't. We had.

"Every AI fintech company hits the same wall eventually — the data and the relevant user context just isn't accessible. Insurely was the only infrastructure that met our high bar. By partnering up with Insurely, we could build what we'd set out to build."

— Douglas & Nicolas, co-founders, Eijra

Eijra's team focused on the AI and the user experience. The data layer was already there. Insurance was their wedge, the same infrastructure now sits underneath pension, investment and banking products built on Insurely. Their team focused on the AI and the user experience. The data layer was already there.

What AI fintechs build on Insurely

A few of the products AI fintechs are shipping today. Intentionally not exhaustive. Some are seed-stage. Some are scaling into multiple countries. What they share is that they decided they weren't going to build the data layer themselves.

An AI pension copilot

Goes from "what's your provider?" to a full transfer recommendation in under a minute, because we already handed them the user's holdings, fees and projected payout.

An underwriting model

Trains on real coverage history and premium levels instead of zip-code proxies.

A consumer PFM

Doesn't ask the user a single onboarding question. eID, consent, done.

A wealth platform

Detects transferable assets at sign-up and quietly orchestrates the move.

A risk-scoring engine

Finally has the cash-flow signal it always wanted.

An advisor platform

Where advisors can access both data and insights at the same time. Some are seed-stage.

Building agents? Same data, over MCP.

Most teams integrate Insurely as a REST API and call it from their backend. If you're building an agent-based product where your AI decides which tools to call at runtime, the same permissioned data is available over MCP. One consented connection, same normalised data, exposed as tools your agent can reach for directly.

Explore Insurely MCP →

FAQ — the things founders actually ask us

Realistic answer: 2 to 6 weeks from first call to live in production, for most teams. You'll get sandbox access the same day as the technical call, no contract needed to start trying it. Your engineers usually have a working integration in a week or two. The hosted consent UI means you don't have to implement the authentication and polling of data yourself; if you want to white-label or go fully headless, both are options. Compliance review and contracts run in parallel, and we've been through this with regulated fintechs enough times that it rarely blocks the timeline. The legal stuff? We have whitelabel T&Cs and privacy policies, battle tested for you. Once you're live, adding new countries is days, not weeks. Same API, you just enable more providers behind it. That part is the unfair advantage if you're planning to scale across Europe. What you bring: an engineer who'll own the integration, and a clear idea of which data you actually need. What we bring: everything else.

A full structured view across four areas: banking (accounts, balances, transactions, recurring flows), investments and wealth (holdings, fees, performance, account types — ISK, PEA, ISA, Depot and the local equivalents), pensions (type, balance, projected payout, transferability, fund allocation) and insurance (policies, coverage, premiums, deductibles, claims history). All normalised — same field names mean the same thing whether the data came from a Swedish bank, a French insurer or a German pension provider. Raw provider payloads are available too when you need to debug or reconcile. Your engineers can see an example response in the API docs.

Three parts: a monthly platform fee that starts in the low four figures EUR and scales with you, a per-data-pull fee that drops sharply as volume grows, and optional add-ons (hosted UI, analytics, advisor tooling) if you want them. Sandbox is free for as long as you need it; we don't charge anyone to evaluate.We don't publish a public price list because the right pricing for a pension transfer product is genuinely different from the right pricing for a high-volume consumer PFM, and any single number would be wrong for half the people reading this page. Tell us what you're building and the expected monthly volume; you'll have a written quote within 48 hours.

Sometimes yes. If you only need one provider in one country and they have a clean direct API, wrap it yourself — we'll tell you that on the first call. If you need a real data layer for multiple data sources, normalising and harmonising and solving 24/7 uptime, the honest math is: 18–36 months, a team of senior engineers who understand both regulation and integration plumbing, ongoing maintenance forever, and regulatory tracking as its own part-time job. Most founders we talk to look at that math and decide their team should build the product on top, not the layer underneath. We've made the layer the thing. It's how we keep the lights on, so we treat it like infrastructure should be treated, boringly reliable, with a status page you'll hopefully never need to look at.

Annual contracts are standard, but we'll do shorter terms for early-stage teams who want to de-risk it. You own your data and your end-user consents. If you leave, you leave with both. We're not in the business of locking anyone in, if the product isn't working for you, a renewal conversation is the wrong place to find out.

If you need write access — payment initiation, trade execution — we're not it. If you need a market we haven't covered yet and can't wait, we'll be honest about the roadmap rather than overpromise, however, we love a good challenge!The cases we're best at: AI fintechs building across multiple European markets that need a real, regulated, normalised view of a user's financial life. If that's you, we should talk.

Yes. The same data layer is available over MCP for teams building agent-based workflows or using AI tools like Claude. See insurely.com/mcp for the full setup guide.