GenTwo Surpasses $8 Billion in Assets Under Service as Assetization Trend Accelerates

Swiss fintech GenTwo has surpassed USD 8 billion in Assets under Service (AuS), marking a significant acceleration in the adoption of its "assetization" infrastructure. For wealth managers and banks, this milestone signals a shift toward off-balance-sheet securitization as a mainstream method for launching niche investment products with reduced operational friction.

What was announced

GenTwo, a B2B fintech based in Switzerland, confirmed it has reached the USD 8 billion AuS threshold. The achievement follows a period of rapid scaling; while the firm took five years to reach its first USD 3 billion, it has added the subsequent USD 5 billion in just over three years. Notably, the jump from USD 7 billion to USD 8 billion occurred in the few months following April 2026.

The growth is driven by the company’s Securitization-as-a-Service model, which utilizes the investOS platform. This infrastructure allows financial intermediaries to securitize and structure assets off-balance sheet, aiming for greater capital efficiency and speed to market. The service is designed for a broad range of professionals, including asset managers, banks, and other financial intermediaries who require the ability to design and launch investment solutions without the traditional complexity of balance-sheet-heavy structures.

To date, GenTwo has supported more than 300 clients across 30 different countries. The platform has been used to create more than 1,750 individual investment products since the company’s inception in 2018. The firm attributes this momentum to a widening international footprint and a fundamental shift in how the industry approaches product creation, moving away from rigid legacy frameworks toward flexible, technology-driven securitization.

"We started GenTwo to democratize how investment products get made and expand the investment universe. We call this assetization, and we wrote a book about it because we believe it is a global mega trend. Our rapid growth proves this thesis. Assetization is becoming how the industry works."

Patrick Loepfe, Co-Founder and Chairman of GenTwo.

The companies involved

GenTwo is a Swiss-based B2B fintech firm that operates at the intersection of finance, technology, and data. Founded in 2018, the company has positioned itself as a specialist in investment product infrastructure. Its core value proposition centers on "assetization"—the process of making any asset investable through securitization. By providing the tools to structure assets off-balance sheet, GenTwo allows smaller asset managers and large financial institutions alike to bypass the high costs and long lead times typically associated with traditional investment product issuance.

The company’s leadership includes Patrick Loepfe, who serves as Co-Founder and Chairman, and Philippe A. Naegeli, who serves as Co-founder & CEO. The firm’s growth reflects a broader trend in the Swiss and global fintech ecosystems where infrastructure providers are increasingly displacing traditional investment banks in the product manufacturing chain. GenTwo’s intellectual footprint also extends to publishing; the company’s leadership has collaborated with Wiley, the global publishing company, to release a book detailing their "assetization" thesis, framing it as a fundamental shift in the global financial landscape.

What this means

The speed at which GenTwo moved from USD 7 billion to USD 8 billion suggests that the "assetization" trend is no longer a niche experiment for boutique managers. As traditional banks face increasing regulatory pressure and capital requirements, the demand for off-balance-sheet solutions is intensifying. This puts traditional structured product desks under pressure to modernize their own issuance platforms or risk losing market share to agile infrastructure providers. The primary question for the sector now is whether this model can maintain its growth rate as it moves into more heavily regulated jurisdictions outside of its core European footprint. If the ease of product creation continues to improve, the industry may see a massive influx of hyper-niche investment vehicles that were previously economically unviable.