HestiaX — Insurance Portfolio Liquidity Infrastructure
Unlock strategic capital from your entire back book through compliant, partner-led securitization.
EU-first
Infrastructure-only
Regulated partners
The Balance Sheet Efficiency Gap
The CFO Challenge
Your technical reserves and premium receivables contain high-quality assets, but they sit illiquid on your balance sheet, trapping equity that could be used for growth.
1
Trapped Capacity
Reliable portfolio cashflows are locked in 90+ day cycles or long-tail reserves, restricting your Solvency II ratios and underwriting capacity.
2
Capital Constraints
Existing capital allocation restricts your ability to pursue growth initiatives, hindering balance sheet optimization and flexibility.
3
Market Access Gap
Mid-sized portfolios struggle to access efficient capital markets, limiting options for balance sheet management and growth.
4
Suboptimal Options
Traditional financing solutions are often slow, costly, or come with restrictive covenants, negatively impacting balance sheet efficiency.
You have quality cashflows, but not enough usable capital when you need it.
Why Current Options Don't Fit
Today's financing tools weren't designed with mid-sized insurance portfolios in mind. Each option comes with significant trade-offs that limit your strategic flexibility.
Bank Credit
Traditional bank facilities provide liquidity but at a cost: expensive pricing, restrictive covenants, and limited flexibility that constrains your strategic options.
Reinsurance
Excellent for risk transfer and capital management, but structurally inefficient when your primary need is pure liquidity access rather than risk mitigation.
Securitization
Powerful tool for large portfolios but prohibitively slow, entirely bespoke, and primarily focused on Tier-1 insurers with massive balance sheets.

The Result: Liquidity access remains manual, one-off, and non-repeatable. You're forced to reinvent the process each time capital needs arise.
What HestiaX Enables
A Programmatic Capital Relief Facility
HestiaX enables insurers to monetize entire portfolios faster. Our infrastructure transforms static Bordereau data into tradeable assets, providing Capital Relief without the friction of traditional reinsurance treaties.
Immediate Capitalization
Monetize future premium receivables into immediate capital, strengthening your balance sheet and funding strategic growth or reserve requirements.
Predictable Cost of Capital
Benefit from transparent and predictable cost of capital, enabling precise financial forecasting and mitigating market volatility risks associated with traditional funding.
Solvency Optimization
Move assets off-balance sheet to improve Solvency II ratios and free up capital for new underwriting.
Diversified Funding
Reduce reliance on traditional bank credit facilities, gaining direct access to capital markets and de-risking your overall funding profile.
Zero Operational Disruption
No changes to your underwriting processes, claims operations, or customer-facing activities. Business continues as usual.
How It Works
Designed for speed and minimal disruption
Our streamlined approach transforms complex financing into a straightforward, repeatable process. We've designed every step to minimize administrative burden while maintaining full regulatory compliance and governance standards.
01
Whole-Account Ingestion
We ingest your standard Portfolio Bordereau (Premiums & Claims). No need to cherry-pick individual policies; we assess the risk profile of the entire book.
02
Compliant Structure
We work with regulated partners to design a compliant securitization structure for the entire portfolio, adhering to all EU regulatory requirements.
03
Capital Deployment
Institutional capital providers deploy upfront liquidity against the securitized whole-portfolio premium cashflows.
04
Ongoing Service
Comprehensive reporting, continuous monitoring, and automated payment workflows managed through our platform.

Important: Your underwriting and claims processes remain completely unchanged throughout the entire lifecycle.
Operating Model & Trust
Infrastructure-first. Partner-led execution.
HestiaX operates as a technology infrastructure provider, not a principal. We've built the rails that enable compliant, efficient financing while ensuring all capital deployment happens through regulated partners who specialize in institutional finance.
What We Provide
  • Technology rails and servicing infrastructure
  • Auditability and governance frameworks
  • GDPR-compliant data handling protocols
  • Ongoing portfolio monitoring and reporting
  • Workflow automation and payment processing
Partner Responsibilities
  • Regulated issuance and structuring
  • Institutional capital distribution
  • Custody and institutional investor onboarding
  • Regulatory compliance oversight
  • Legal documentation and governance
1
We do NOT take underwriting risk
All insurance risk remains with your organization
2
We do NOT take balance-sheet exposure
Capital comes from institutional partners, not HestiaX
3
We do NOT distribute to retail investors
Exclusively institutional, qualified investors
Where It Fits Best
Built for predictable, well-documented portfolios
HestiaX delivers the greatest value for insurance portfolios with stable, recurring premium patterns and strong diversification characteristics. Our infrastructure is specifically optimized for mid-sized EU insurers and MGAs seeking efficient capital access.
Marine Hull & Cargo Portfolios
Ideal for Whole Account Quota Shares on fleets and cargo aggregations. Predictable loss ratios make the entire book suitable for capital markets.
Renewable & Offshore Portfolios
Aggregated premiums from wind/solar projects offer bond-like stability ideal for institutional securitization.
Construction Insurance
Whole portfolio structures based on project-linked premiums provide transparent cash flows. Robust risk management and historical data make these portfolios suitable for capital market solutions.
MGA Portfolios
Whole account portfolios from MGAs with strong renewal retention and predictable premium streams are ideal. Their stable cashflow patterns are well-suited for securitization opportunities.

Ideal Customer Profile: EU mid-sized insurers and MGAs with €100M–€600M in annual premium volume seeking repeatable liquidity access for divisional portfolios or whole account structures.
Why HestiaX
Built to become your repeatable liquidity program
Unlike one-off transactions or bespoke arrangements, HestiaX provides infrastructure you can rely on quarter after quarter. We've designed every element to support repeatability, scalability, and long-term partnership rather than single-use financing.
Faster Than Securitization
Weeks instead of months. Our standardized infrastructure eliminates the delays inherent in bespoke structuring processes.
More Flexible Than Banks
No restrictive covenants. Access liquidity without the operational constraints that typically accompany traditional bank credit facilities.
Repeatable Infrastructure
Use quarterly or annually. Once established, the process becomes a predictable part of your capital management toolkit.
Mid-Market Focus
Purpose-built for mid-sized portfolios that deserve better liquidity access than traditional markets provide.
Initiate a Strategic Portfolio Assessment
We are selecting 3–5 partners for our 2026 Capital Mandate.
Information Required for Assessment
  • 30-minute working session with your CFO, Treasury/ALM, or Capital Management team
  • Share a historic, anonymized Bordereau for one division (Marine/Energy/Construction)
  • Discuss strategic objectives and capital efficiency priorities
Assessment Deliverables
  • Comprehensive feasibility memorandum within 10 business days
  • Detailed pilot program proposal with structural options
  • Preliminary implementation timeline and partner coordination plan
  • Defined go/no-go decision framework for strategic alignment
This preliminary assessment is designed as a rigorous evaluation to ascertain the strategic value HestiaX can provide in optimizing your portfolio's liquidity and capital management.
Ready to Explore?
Contact
Oleksandr Zeziulinskyi
Founder, HestiaX
+46760226077
Schedule Assessment
Book a 30-minute working session to discuss strategic fit
Receive Proposal
Get a detailed feasibility memo and pilot structure proposal within 5 days
Make Decision
Evaluate the proposal with your team and decide whether to proceed
HestiaX is building the liquidity infrastructure that EU insurers deserve.

Slots are limited. We're working with 3–5 insurers to ensure exceptional execution quality and personalized attention.
The Future of Insurance Liquidity
The insurance industry is evolving. Mid-sized insurers shouldn't be locked out of efficient capital markets simply because they don't have billion-euro balance sheets. HestiaX exists to change that, by providing whole portfolio infrastructure and seamless access to capital markets.
We're building infrastructure that treats your portfolio assets as the valuable, predictable components they truly are, enabling strategic capital relief and Solvency II optimization. This infrastructure is fast, compliant, repeatable, and designed specifically for your balance sheet optimization needs.
The question isn't whether insurance liquidity infrastructure will emerge — it's who will build it first and who will benefit from being an early partner.
Regulated
Fast
Repeatable
Partner-led