Arca Digital: Revolutionizing Pension Plans for SMEs
In a significant move to modernize the pension landscape, Arca Digital has successfully raised €1 million in funding, aimed at making pension plans accessible to small and medium-sized enterprises (SMEs). This funding round was co-led by Draper B1 and Robin Capital, marking Robin Capital’s inaugural investment in Spain. With a wealth of experience in the pension sector, Robin Capital has previously invested in leading retirement-tech platforms like Penzilla and Xaver in Germany.
The Funding Round and Key Players
The funding round attracted notable investors, including the Belgian fund Newschool.vc, which also made its first investment in Spain. Additionally, several prominent fintech business angels participated, such as Fernando Cabello-Astolfi, Iván Peña, and Juan Montero. Their collective expertise and resources are expected to bolster Arca Digital’s mission to transform retirement savings for SMEs.
Vision from Draper B1
Jon Etxeberría, Principal at Draper B1, expressed enthusiasm about leading the funding round. He highlighted the young and ambitious founding team of Arca Digital, emphasizing their focus on product and technology. Etxeberría noted the early traction and strong signs of product-market fit, which reinforce their confidence in the project. He also pointed out the favorable regulatory environment for occupational pension plans in Europe, suggesting that Arca is strategically positioning itself as essential infrastructure for financial providers aiming to digitize retirement savings.
Robin Capital’s Perspective
Robin Haak, General Partner at Robin Capital, echoed similar sentiments, stating their pride in supporting Arca Digital’s mission. He pointed out that retirement plan infrastructure has remained stagnant for decades, leaving many employees without accessible solutions. Arca Digital is reimagining this sector with a platform that integrates plan administration, payroll, and regulatory compliance, potentially transforming how retirement savings solutions are delivered.
Insights from the CEO
Sergio, the CEO of Arca Digital, shared his excitement about collaborating with established players in the savings and investment sectors, such as Caser Seguros and Indexa Capital. He emphasized the platform’s ability to enable a diverse range of companies—from traditional industries to modern software firms—to offer transparent pension plans to their employees. Notably, Arca Digital has experienced a tenfold increase in its pension business at the start of 2026, driven by a growth strategy focused on delivering an exceptional retirement savings experience.
Goals and Market Positioning
The primary objective of this funding round is to solidify Arca Digital’s presence in the Spanish market, positioning it as the leading solution for occupational pensions. The platform aims to cater not only to companies but also to HR technology platforms and other partners, allowing them to seamlessly offer pension plans within their product offerings by leveraging Arca Digital’s advanced technology.
Transforming Pension Distribution
Arca Digital is at the forefront of transforming how pension plans are distributed. By adopting a technology-driven, API-first model, the platform automates various processes, including user support, daily contribution management, onboarding, offboarding, and transfers. This innovative approach allows pension fund managers to tap into a new market by distributing their products to SMEs without imposing administrative burdens—one of the key barriers preventing companies from offering the tax advantages of occupational pension plans to their employees.
About Arca Digital
Arca Digital is a pioneering pension plan distribution platform that automates essential processes, making it easier for pension fund managers to reach SMEs. By eliminating the need for extensive administrative management, Arca Digital aims to bring the tax benefits of occupational pension plans closer to employees, ultimately enhancing the retirement savings landscape for a broader audience.
Through its innovative approach, Arca Digital is not just changing the game for pension plans; it is setting a new standard for how retirement savings solutions can be delivered in the modern era.
