Question 1

What is NUDA?

Accepted Answer

NUDA is European infrastructure for financial distribution. It sits between the institutions that manufacture financial products and the channels that sell them, connecting a distributor's advisor network, methodology, products and data — from core systems, ERP and CRM to external market sources — into one live platform. Not another app, not another marketplace: infrastructure.

Question 2

Is NUDA a consumer app?

Accepted Answer

No. NUDA is B2B infrastructure for distribution networks, insurers, banks and fintechs. There is no consumer product and nothing for an individual to sign up for. End clients may meet NUDA indirectly, through an advisor or a channel that runs on the platform.

Question 3

What problem does NUDA solve?

Accepted Answer

Europe built world-class financial institutions but never built the infrastructure to connect them. Capital, advisory, data and distribution stay siloed across legacy cores and disconnected datasets, and every cross-border move means rebuilding the same plumbing. NUDA is the shared layer underneath, so a distributor can start with one module on the systems they already run and connect more over time.

Question 4

What are the five layers of the NUDA platform?

Accepted Answer

One, the Unified Data Layer: normalised data across institutions — clients, contracts and products in one record instead of a dozen exports. Two, Embedded AI & Intelligence: models trained on financial data, answering in the moment of decision rather than in a separate report. Three, Distribution & Execution: advisor networks and embedded channels, from first conversation through comparison to a concluded contract. Four, Regulation & Market Adaptation: one compliance framework built for 27 EU markets, where local rules and product logic change per country but the system does not. Five, the API & Integration Layer: open, versioned APIs in enterprise quality, one integration point instead of a custom connector per counterparty. Data rises through intelligence into distribution; regulation and open APIs wrap the whole stack. The product categories a client buys sit inside these layers rather than beside them.

Question 5

Who is NUDA for?

Accepted Answer

Distribution networks, insurers, banks and fintechs. They enter the platform at different layers — a distributor may start with distribution and execution, an insurer with data, a fintech with the API layer — and then run on the same platform.

Question 6

Which markets does NUDA operate in?

Accepted Answer

Live in the Czech Republic, Slovakia and Poland. Germany is next. France, Spain, Italy and the Nordics are on the horizon, with ten countries targeted by 2029. The platform is built for 27 EU markets — that is a capability of the regulatory layer, not a claim of presence in 27 countries today.

Question 7

How does a client start with NUDA?

Accepted Answer

Modularly. A client picks the layer that solves their immediate problem, connects it to the core systems, ERP and CRM they already run, and adds further layers over time. There is no requirement to replace an existing core system to begin.

Question 8

What is already running in production?

Accepted Answer

Three million live contracts under administration, seven million product calculations a year, 1.5 million clients served and fourteen thousand professional users. NUDA is built on proven assets rather than from scratch: EFPA, CreaSoft, Emable, Verzuz and EUCS Analytics. The launch scenarios published as case studies each state how far along they actually are — several are planned or prototypes, and a demo date is not a production promise.

Question 9

What makes NUDA defensible?

Accepted Answer

Three things that are hard to copy quickly. Direct distribution reach: advisor networks and channels that already sell, rather than a platform waiting for supply. A regulatory layer built once for 27 EU markets, covering PSD2, PSD3 and the AI Act, so a new country is configuration rather than a rebuild. And normalised cross-institution data, which is what makes the intelligence layer answer anything useful at all.

Question 10

What is pulsmark?

Accepted Answer

pulsmark, by EFPA.cz, benchmarks how well AI models answer questions about personal finance. If an AI advises people about money, pulsmark is what tells you when it is wrong. It has its own site at https://pulsmark.org/ and is described at https://nuda.dev/case-studies/pulsmark.