Head start
~0
person-days of development
Across the app and the cashback infrastructure. A platform that cannot be rebuilt in a quarter.
ClanqFamily banking from Switzerland
The futureof familybanking.
A ready-built family banking ecosystem – and why it belongs with a bank that families already trust.
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Why does a customer relationship with a bank only begin when someone needs an account of their own?
Dear future partnerWe asked ourselves this question five years ago.
A family starts much earlier. With the anticipation of a child. With parents, grandparents and godparents who want to build something for that child’s future together. That conviction is why we founded CLANQ.
What began as an idea is now a standalone family banking ecosystem. We built and validated it in Germany with Solaris, then launched it in Switzerland with Cornèr Bank: mature technology, an established brand, a network of partners and a concept that connects people across generations.
But a good idea and strong technology alone don’t make a market leader. That takes a banking licence, a strong balance sheet, trust built over generations – and people who believe in the vision.
We have built the brand, the product and the family banking concept. Now we are looking for a bank that wants to own it – and to welcome families as customers from their child’s very first day.
The following pages show what we have built, the opportunity we see, and why CLANQ is ready for its next owner.
Jean-Paul & ChristinaFounders, CLANQ
Family banking. For generations.
It all starts with one child.
And with the question of who wants to save for that child’s future.
Parents open the savings pot.
Every purchase sends cashback straight into the child’s future – automatically.
Grandparents join in.
Parents invite the family with a link, right from the app.
So do the godparents.
Everyone pays into one shared goal: the child’s financial future.
Plus more than 80 cashback partners.
One family. One network. From one to many.
1customer relationship around one child
Technology that connects
A family banking platform built over five years, with savings, cashback and kids banking.
A network that grows itself
Parents invite grandparents, godparents and relatives to save for the children together.
A brand families trust
Built over years in the Swiss family space through media, communities and financial education.
Banking for a lifetime
From pregnancy through kids and teen banking into adulthood – and on to the next generation.
A market that renews itself every year
0 m
young people under 20 live in Switzerland alone.
Around 80,000 children are born here every year. That is a market that constantly renews itself – and a chance to accompany families from birth. And the app already speaks every language region: German, French and Italian, plus English.
Saving starts early
Roughly three in four parents save for their children.
On average about CHF 1,000 per child per year – long-term, granular money that stays for years. Move the slider to see the annual savings volume in the ecosystem.
CHF 10 mannual savings volume in the ecosystem
Grandparents and godparents are not even included yet.
Banking is becoming a commodity.Relationships are not.
1many
CLANQ builds a family network around every child. For a bank, that means cross-selling is built into the product: one relationship turns into many long-term customer relationships – all inside one ecosystem, across generations.
The CLANQ ecosystem
Our cashback partners save for the next generation, too.
With every purchase at a participating partner, part of the amount flows as cashback into the child’s future. Everyday spending becomes long-term wealth building – without any extra savings budget.
80+cashback partners
up to 25%cashback per purchase
CHF 0extra savings budget
Ready to grow
An experienced team, a modular platform and room to expand.
Commercially validated
CHF 0
per year from the ongoing licence agreement with Cornèr Bank for Swiss exclusivity
Cornèr Bank holds the Swiss rights. The agreement continues, plus a marketing budget on top.
Live in the market
0+
accounts opened, several thousand downloads
A finished app in four languages – German, French, Italian and English.
CLANQ is not an idea on paper. It is a market-ready, market-tested family banking ecosystem.
Proven technology, an existing licence agreement, an active customer base and an established partner network – ready for the next growth step.
Proven twice
Built in Germany. Launched in Switzerland. Ready for its next owner.
CLANQ has already moved from one banking stack to another. The product, the partner model and the licence structure are proven – and repeatable.
-
Germany
Built and validated with Solaris
We developed the full product on Solaris’ banking-as-a-service platform and validated it in the market.
-
Switzerland
Launched with Cornèr Bank
Cornèr Bank holds the Swiss rights and licence. The agreement is ongoing and generates CHF 750,000 per year for Swiss exclusivity.
-
Next
Your bank
Take over the product, the brand and the licence income – and decide where CLANQ goes next: to your own customers, or licensed country by country.
Your upside
Every market you add runs on the platform you already have.
Switzerland – around 1.3 million families – brings CHF 750,000 a year in licence fees for exclusivity alone. Move the slider to see what the same model could be worth across more markets.
CHF 3 mper year, Switzerland plus 3 more markets
At a guide price of CHF 6 m, that is paid back in about 2.1 years.
Illustrative: each market valued at the Swiss licence level. Larger markets have more families; markets shared between partners earn lower licence fees.
Built to plug in
A complete product layer, ready for your bank.
CLANQ separates the family experience from the balance sheet. That is how it moved from Solaris in Germany to Cornèr Bank in Switzerland – and how it can run on any licensed bank, with its own core banking, compliance and funding.
1
Family experience
Parent, kids and teen app in four languages, the clan invitation flow, savings goals and investment plans.
2
Engagement engine
Cashback infrastructure with 80+ partners, 12 e-books, money missions and quizzes that keep families coming back.
3
Banking layer
Accounts, cards, deposits and investments. Bank-agnostic and proven twice: first on Solaris, now on Cornèr Bank – next on the licence of the new owner.
~0births per year
Every year, a new chance to start a long-term customer relationship.
~0children under 10
A large audience that can already be reached through their parents.
~0 mfamilies with children
A significant Swiss market for cross-generational financial products.
3generations, one ecosystem
Children, parents and grandparents save for the future together.
4languages, live today
German, French, Italian and English – for every language region of Switzerland.
Lifetimecustomer value
From pregnancy through kids and teens to a family of their own.
The next step
A shared future?
CLANQ has made a name for itself in Swiss family banking. With mature technology, its own brand and an established ecosystem, the foundation is in place.
What it needs now is an owner with a banking licence, a strong balance sheet, close ties to families and the people to take this potential to a new level. Together, CLANQ can become the leading family banking proposition in Switzerland.
CLANQis where families are.
Your bankbrings trust, customers and a licence.
Family banking from day one
A perfect match
Access to families meets a bank they already trust.
CLANQ brings access to families, an established brand and a finished family banking ecosystem. Your bank brings the licence, the balance sheet, trust built over generations and an existing customer base. Together, every child can become a customer of your bank from day one – long before they need an account of their own.
CLANQ is where families are
Awareness, trust and existing relationships.
Something you cannot build overnight: a network that reaches Swiss families through media, communities and partners.
0people in our media partners’ communities, combined
Moments
Monthly product articles and promotions for Cornèrcard customers.
120,000users
mal ehrlich
CLANQ is positioned as the finance expert in an established family community.
52,000followers
Mamalicious
Product tests and a presence at the Mamalicious Market bring us close to the audience.
70,000mothers
letsFamily
Monthly content in «LetsFinance» and expert articles in parenting guides.
150,000parents
We don’t just use this reach to make CLANQ known – we use it to give families knowledge.
Reach families early, and you can guide children in handling money from the very beginning.
Financial education
Financial literacy doesn’t start with the first pay cheque.
12
E-books for the whole family
Twelve (e-)books that make money topics easy to understand for children and parents. A library of our own.
Money missions
Small tasks help children discover how money works. Saving, planning and conscious decisions, learned through play.
Quizzes
Interactive questions help children explore and deepen their financial knowledge. Simple, age-appropriate and motivating.
Learning together
Financial education doesn’t stop with the child. CLANQ helps parents bring money topics into everyday family life early on.
Banking for every stage of life
From the first savings goal to financial independence.
1Kids
My very own banking
Children discover their own financial world: setting savings goals, tracking progress and learning to handle money through play. Parents stay in the loop.
2Kids
Saving becomes an experience
With Clarry, Shaq and Quincy, banking becomes child-friendly and easy to understand. Small tasks, rewards and personal goals motivate kids to take part.
3Teens
More freedom. More responsibility.
Teenagers manage their money more independently, pay on their own and make their own financial decisions – with age-appropriate guidance.
4Adults
The relationship grows up, too
The first savings goal becomes the first budget. Kids banking becomes teen banking, and later a full banking relationship – across generations.
PregnancyKidsTeensAdultsNext generation
Our offer
A full acquisition.
100%
CLANQ as a whole
The buyer acquires CLANQ in full – including technology, brand and the existing ecosystem.
Guide priceCHF 6 m
- TechnologyFamily banking app in four languages and cashback infrastructure, around 4,000 person-days of development.
- BrandCLANQ with Clarry, Shaq and Quincy, 12 e-books and established media partnerships.
- EcosystemMore than 80 cashback partners and over 500 accounts opened.
- Licence revenueThe ongoing licence agreement with Cornèr Bank for Swiss exclusivity, CHF 750,000 per year.
We are currently in sale discussions with a large market player. Before we commit, we wanted to share CLANQ with a small number of parties for whom it could be an even better fit.
Thank you.
Thank you for your time. We would love to explore the next steps together.
Jean-Paul & Christina