# Vestarium — Full Context Document > Wealth intelligence platform — your AI Thought Partner for total wealth management. Centralize and analyze every asset class, from private equity and real estate to global equities, bonds, and crypto. --- ## Company Profile **Vestarium** is a wealth intelligence platform designed to be the Single Source of Truth for both financially conscious individuals and entrepreneurs. Whether managing personal finances or complex wealth across multiple legal entities (Private, Holding, OpCo), Vestarium provides total mastery. It replaces fragmented tools and spreadsheets with a clean, high-tech environment that combines aesthetic precision with deep financial insights. - **Legal Name:** Vestarium (a product of Newland.Media) - **Website:** https://vestarium.io - **App URL:** https://app.vestarium.io (platform) - **Parent Company:** Newland.Media — https://newland.media - **Location:** Enschede, The Netherlands - **KvK (Chamber of Commerce):** 99642220 - **BTW (VAT Number):** NL869072985B01 - **Status:** Private Beta (invitation-only) - **Founded:** 2025 --- ## Origin Story Vestarium was born from a simple observation: even the most sophisticated entrepreneurs and high-net-worth individuals manage their wealth using a patchwork of spreadsheets, banking portals, and broker platforms. None of these tools talk to each other. None of them think. The founding team — SaaS veterans with over 25 years of experience in building mission-critical financial systems at Logic4 — set out to build what they always wished existed: a single, intelligent sanctuary for total wealth. The name "Vestarium" evokes a protected chamber — a vault for your financial world. The platform is designed with the precision and discretion of a Swiss bank, combined with the intelligence of modern AI. --- ## Target Audience Vestarium is designed for: 1. **Entrepreneurs and DGA's (Director-Grootaandeelhouder):** Business owners in the Netherlands who hold assets across private and corporate entities. They need oversight across Holding, OpCo, and Private structures. 2. **High-Net-Worth Individuals (HNWIs):** People with complex portfolios spanning multiple asset classes, currencies, and geographies. They currently use Excel or multiple platforms without a unified view. 3. **Financially Conscious Individuals:** People who want full control over their income, expenses, and net worth, starting with free bank connections and budgeting tools. --- ## Brand Identity ### Tone of Voice - Professional, exclusive, authoritative, and intelligent - "Swiss-Bank meets AI" aesthetic - Formal Dutch: uses "u" (not "je") in Dutch communications - Avoids: casual language, "tech-bro" slang, excessive exclamation marks ### Taglines - Primary: "Wealth Intelligence" - Secondary: "Mastery Over Complexity" - Trust line: "Built by pioneers. Designed for masters." ### Brand Colors - **Vestarium Navy (Primary):** #102a43 (darkest) through #627d98 (lightest) - **Gold Accent:** #e4b832 (premium accents), #eece5c (lighter gold) --- ## Product Description — Detailed ### Core Value Propositions 1. **Mastery Over Complexity** One sanctuary for every asset class. From publicly traded securities to illiquid private investments, from real estate to crypto — everything in one intelligent ecosystem. 2. **AI Thought Partner** Not just a dashboard, but a digital partner that thinks with you. The Correlation Engine identifies hidden risks and opportunities across your entire portfolio. The AI provides context, reasoning, and strategic suggestions. 3. **Total Wealth Management** Public markets, private markets, real assets, and digital assets — all unified. Track performance, analyze correlations, and make informed decisions across your complete wealth picture. 4. **Institutional Precision** Built by a team with 25 years of financial SaaS experience. Bank-grade encryption, 2FA security, and the reliability that total wealth management demands. ### Feature Categories #### One Ecosystem for Every Asset - **Public Markets:** Real-time data for global stocks, ETFs, and currencies with institutional precision - **Fixed Income:** Deep tracking of government and corporate bonds, including yield analysis and maturity schedules - **Private Markets:** Seamlessly integrate Private Equity and Venture Capital positions with manual valuation support - **Real Assets:** Professional management of Real Estate, Art, and Collectibles — your physical wealth, digitized - **Digital Assets:** Secure oversight of your Crypto and DeFi positions alongside your traditional portfolio - **Banking & Cash:** Connect your global bank accounts for a real-time view of liquidity, income, and expenses #### Intelligence Engine - **Correlation Engine:** Identifies hidden risks across different asset classes by analyzing market movements and your specific holdings - **AI Thought Partner:** Explains what your portfolio means for your future and suggests strategic moves - **Daily Monitoring:** Daily updates and automated document extraction from PDFs, ensuring you never miss important changes - **Market Context:** Contextual explanations for asset movements based on aggregated news - **Sentiment Analysis:** Scans news for specific holdings to provide sentiment scores - **Smart Rebalancing:** Calculates exact transactions needed to return to target allocations - **Scenario Planning:** Simulates stress tests, such as market crashes, across all entities #### Financial Management - **Bank Connections (PSD2):** Automated transaction fetching and AI-based categorization - **Budgeting & Cashflow:** Real-time tracking of income/expenses and financial goals - **Subscription Manager:** Track recurring costs across all accounts - **Emergency Fund Tracker:** Monitor your financial safety net - **Multi-Entity Support:** Manage wealth across Private, Holding, and OpCo structures - **Audit Trail:** Full log of all manual and automated changes --- ## Pricing Structure — Detailed All prices in EUR, excluding VAT. All plans include enterprise-grade encryption and 2FA security. ### The Enthusiast — Free Master your daily finances and personal assets. - Real-time Bank Connections - Budgeting & Cashflow Tools - Subscription Manager - Emergency Fund Tracker - Monthly Stock Price Updates - Public and private asset tracking - Daily Portfolio Monitoring ### The Explorer — €9.95/month (€99.50/year) Deepen your insights with advanced tracking. - Everything in Enthusiast - Weekly Stock Price Updates - Benchmark Comparison - Financial Goal Tracking - Smart CSV Auto-Import - Unlimited performance history - CSV/Excel Data Export ### The Master — €49.95/month (€499.50/year) — Most Popular Automate your wealth intelligence and AI insights. - Everything in Explorer - Daily Stock Price Updates - AI Fee Analyzer - Currency Exposure Heatmap - Live AI Thought Partner - Life Beat Check (beneficiary access upon inactivity) - Risk Correlation Alerts - Dividend Projections ### The Architect — €99.95/month (€999.50/year) Total mastery over complex multi-entity wealth. - Everything in Master - 15-Minute Price Updates - Multi-Connected Portfolios - LTV (Loan-to-Value) Monitoring - Private Equity Tracker - What-if Rebalancing - White-label PDF Reporting Annual paying customers receive 2 months free. --- ## Technical Architecture ### Marketing Website (vestarium.io) - **Framework:** Astro 5.x (static site generator) - **Styling:** Tailwind CSS 3.x - **Language:** TypeScript - **Hosting:** Azure Static Web Apps - **Languages:** English (default), Dutch ### Platform (app.vestarium.io) - **Backend:** .NET 10 Web API, Entity Framework Core, Azure SQL Database - **Frontend:** React via Vite, TypeScript, Tabler.io CSS, ApexCharts - **Cloud:** Microsoft Azure (App Service, Functions, SQL, Blob Storage, Key Vault) - **AI:** Azure OpenAI Service (private instance) - **Bank Integration:** PSD2 via GoCardless/Nordigen - **Payments:** Stripe --- ## Pages & URLs ### English (Default) - **Homepage:** https://vestarium.io/ - **Explicit English:** https://vestarium.io/en-us/ ### Dutch - **Homepage:** https://vestarium.io/nl-nl/ --- ## Social Media & External Links - **LinkedIn:** https://www.linkedin.com/company/vestarium/ - **X (Twitter):** https://x.com/vestarium - **Instagram:** https://www.instagram.com/vestarium_wealth/ - **Parent Company:** https://newland.media --- ## Key Messages for Different Audiences ### For Entrepreneurs & DGA's "Uw vermogen raakt al snel versnipperd over banken, brokers, deelnemingen en bestanden. Vestarium brengt alles samen in één helder totaalbeeld, zodat u sneller en zekerder beslissingen neemt." (Your wealth quickly becomes fragmented across banks, brokers, participations, and files. Vestarium brings everything together in one clear overview, so you make faster and more confident decisions.) ### For High-Net-Worth Individuals "Stop managing spreadsheets and start gaining a real edge. Vestarium unifies your entire portfolio — from Stocks, Real Estate, and Private Equity to Crypto and Fine Wine." ### For Financially Conscious Individuals "Master your daily finances and personal assets with real-time bank connections, budgeting tools, and portfolio monitoring — completely free." --- ## Frequently Asked Questions **What is Vestarium?** Vestarium is a wealth intelligence platform that serves as your AI Thought Partner for total wealth management. It centralizes every asset class in one ecosystem with AI-powered insights. **Who is Vestarium for?** Entrepreneurs, DGA's (Director-Grootaandeelhouder), and high-net-worth individuals who manage complex portfolios across multiple asset classes and legal entities. **Is Vestarium free?** Yes, the Enthusiast tier is completely free and includes bank connections, budgeting tools, and portfolio monitoring. Premium tiers start at €9.95/month. **How does the AI work?** Vestarium uses Azure OpenAI Service (private instance — your data is never used to train public models) to provide market context, correlation analysis, sentiment scoring, and strategic suggestions. **Is my data safe?** Vestarium uses bank-grade encryption, 2FA security, and runs on Microsoft Azure with enterprise-grade infrastructure. Your data remains your own and is never shared. **How do I get access?** Vestarium is currently in Private Beta. You can request early access at vestarium.io. **Where is Vestarium based?** Vestarium is a product of Newland.Media, located in Enschede, The Netherlands. --- ## Contact For questions about the Vestarium ecosystem, contact us through the form at https://vestarium.io/ or connect via our social media channels.