Kubera alternative: from a net-worth view to running mandates
Updated: 2026-09
Kubera positions itself as a tool for a consolidated view of wealth across a broad range of assets. FLIORE is not a net-worth tracker but an operating system for running mandates — with UBO, KYC, deadlines, documents and invoicing.
Kubera has established itself as a tool for a consolidated view of one’s own wealth, with deliberately broad asset coverage and a focus on simplicity. For individuals and advisers who want exactly that view, it is a coherent solution.
FLIORE answers a different question. Not "what is my wealth worth" but "how do I run several mandates properly": who is the beneficial owner, which review is due, where is the current document, which invoice is outstanding, and can all of it be evidenced to an auditor.
Statements about third-party products reflect their own public positioning and can change; please check the current feature set and plans directly with the vendor.
| Criterion | Innopulse | Alternative |
|---|---|---|
| The product’s core question | How do I run mandates properly and evidenceably? | How do I see my total wealth in one place? — by its own account, a wealth and net-worth overview. |
| Mandate and entity structure | Persons, companies, trusts and foundations as linked structures with look-through. | Oriented to an overview of assets; please check the vendor on modelling complex ownership structures. |
| KYC, UBO and AML | Core, with an audit trail and jurisdiction-specific UBO assessment. | Not the focus of this product category. |
| Multi-user and multi-tenant operation | Built for practices with several mandates; hard tenant isolation at the database layer. | Oriented to individual wealth owners and their advisers; please check multi-tenant capability. |
| Documents and deadlines | Encrypted vault with versioning, selective client access, and due reviews per mandate. | Document storage available; please check scope with the vendor. |
| Reports to end clients | White-label monthly reports per mandate, multilingual, in the reporting currency. | Please check with the vendor. |
| Simplicity and barrier to entry | Higher: an operating system demands structure before it delivers value. | A recognised strength of this category is the low barrier to entry. |
When an alternative is the better choice
If you want an overview of your own wealth or a single family’s, and need no mandate administration, KYC controls or invoicing, a net-worth tracker is the far simpler and more suitable answer.
If simplicity and a fast start are decisive for you, an operating system is the wrong category — it demands structure first and delivers value after.
For private individuals with no regulatory obligations, FLIORE’s scope is considerably oversized.
FAQ
Is FLIORE a Kubera replacement?
Only if your need has moved from a wealth overview to running several mandates with compliance obligations. For the overview alone, a tracker is the more suitable category.
Is FLIORE suitable for private individuals?
Generally not. The scope targets family offices, trustees and wealth managers with several mandates and regulatory obligations.
Does FLIORE cover as many asset types?
FLIORE covers assets, liabilities and accounts across structures and currencies, including private holdings. The purpose is the mandate view, not maximum breadth of asset types.
Can I bring data over from a tracker?
Yes, via CSV export. FLIORE maps the columns automatically; entities become mandates and holdings become assets.
Why is FLIORE more complex?
Because running mandates presupposes structure. An audit trail, jurisdiction-specific UBO assessment and periodic controls cannot be modelled without a data model.
FLIORE
FLIORE is built as an operating system rather than a reporting tool: mandates, beneficial owners, KYC, deadlines, documents and invoicing are the core, with consolidation on top.
Database and documents sit in Switzerland, and tenant isolation runs on row level security at the database layer rather than in application logic alone.
FLIORE AI answers only from the data of the mandate in question, cites its sources, and never trains on client data.