Bi-Monthly Novemeber 2025
Bringing Embedded Investment to Germany’s Energy Sector
How the Cooperation between Savin and Evergreen marks a New Chapter in the Field of Embedded Finance
By Iven Kurz, Founder & CEO of Evergreen
Across industries, embedded finance is reshaping how consumers interact with financial services. What began with payments and insurance is increasingly expanding into more complex fields such as lending, wealth management, and automated investing. The cooperation between Evergreen and Savin now introduces Germany’s first embedded investment product in the electricity sector.
Savin is a new digital brand of energy provider EAM. It offers green electricity and enables customers to combine their monthly electricity payments with automated savings. Evergreen, as a fintech specialized in sustainable investing, provides the technological, regulatory, and investment infrastructure behind the finance offering. The cooperation demonstrates how essential household services and wealth building can be connected in ways that are seamless, intuitive, and beneficial for end users.
From Electricity Payments to Automated Wealth Building
To understand the significance of this development, it is worth recalling how traditional electricity billing in Germany works. When consumers sign up with a provider, they choose an estimated monthly payment based on expected energy usage. After twelve months, the provider compares the estimate with actual consumption. Customers who used less electricity receive a refund, while those who consumed more must pay the difference.
For many households, the annual settlement introduces an element of financial uncertainty, as the final amount owed can be difficult to anticipate within their regular budgeting. Savin identified this issue and recognized the opportunity to create a buffer that is both protective and productive.
The Money-Power-Buffer and how it works
The resulting “Money-Power-Buffer” (“Geld-Strom-Speicher”) is an integrated product that allows customers to add an optional buffer to their monthly energy payment. This additional amount is invested sustainably through Evergreen. After twelve months, the invested buffer is used to cover any outstanding additional payment. If the buffer exceeds the required amount, the remaining funds stay invested and contribute to long-term wealth building.
This model achieves three goals at once:
1. It stabilizes household finances by smoothing out potential spikes in annual reconciliation payments.
2. It lowers the threshold to start investing for customers to begin investing.
3. It embeds sustainability, as Evergreen manages all investments through sustainable oriented strategies.
For the energy provider, this creates an additional layer of value and strengthens customer relationships. For consumers, it transforms a passive annual bill into an active financial tool.
Why Evergreen? The Role of Technology and Regulation
Savin’s decision to partner with Evergreen was also rooted in two factors: technological readiness and regulatory depth. Evergreen’s API infrastructure enables partners like Savin to integrate wealth management processes directly into their own customer journeys. This drastically reduces integration complexity and time to market, especially for companies outside the financial sector.
Equally important is regulatory expertise. As a licensed investment firm within the meaning of Section 15 of the German Securities Institutions Act (WpIG), and serving more than 22,000 customers across Germany, Evergreen provides all the components required to embed investment functionality in a compliant, transparent, and user-friendly way.
A Blueprint for Other User Cases and Industries
The long-term success of embedded investment offerings depends on how well they fit into people’s real lives. Evergreen’s mission is to reduce complexity and design financial technology so that it feels simple and seamless for users. In the case of Savin it is important that the experience feels like a natural extension of energy billing, not a separate financial product.
Beyond its immediate customer value, the Savin–Evergreen cooperation can serve as a blueprint for the future of embedded wealth management. It illustrates how established industries such as utilities, telecoms, insurance, and mobility can enhance their services by integrating investment features tailored to real user needs.
The partnership is not merely a product launch. It signals a broader shift in which routine services become enablers of financial resilience – and where investing is seamlessly integrated into daily routines.
About the Autor
Iven Kurz is the founder & CEO of Evergreen, a B Corp-certified fintech based in Leipzig, offering sustainable and globally diversified portfolios with a focus on transparency and long-term financial growth. Prior to this, he held managing positions in the private banking companies Metzler and Lampe.
Resources:
• Savin homepage (ger):
Link to Website
• Evergreen release (ger):
Link to Press Release
• Embedded Finance Review (eng):
Link to Website