Born in Trento · Built for Europe
Life is more than a score. We finally measure it.
VitaAvanza is a life-navigation platform for students, immigrants and young workers. We connect money, health logistics, study/work and support into one clear view – and a new index called DVI that sees your effort, not just your bank history.
No spam, no hidden fees. Just early access, feedback calls and the chance to co-design the platform.
DVI is a Development Value Index. It looks at your stability, growth, wellbeing load and support – not only your past payments.
Demo data. In future pilots, DVI will be calculated weekly using your schedule, budget and context. Always transparent and under your control.
Section 01 · The problem
The reality for young people in Europe.
Studying, working, paying rent, handling health and paperwork – often without a safety net. The systems exist, but they are fragmented and reactive. We want to fix the missing layer in between.
Financial instability
Rent, food, transport, medical costs and tuition collide in the same weeks. One unexpected bill can destroy an entire month.
Health & bureaucracy pressure
Visits, exams, waiting lists, documents and renewals. Time and energy get consumed by logistics, not by getting better or progressing.
Invisible effort
Traditional credit scores and forms ignore the real context: study load, work shifts, migration stress, lack of family backup. The system sees a number, not a life.
Section 02 · Why this matters for Europe
Europe has a generation under pressure.
Youth, migrants and early-career workers are central to Europe’s future – yet they navigate fragmented systems: housing, work, study, health, mobility, social support. VitaAvanza aligns with EU priorities on youth, integration, digitalisation and wellbeing.
Youth & students
High study load, precarious work and rising rents. One crisis week can derail an entire semester.
Migrants & newcomers
Extra paperwork, language barriers and lack of local support networks increase pressure on every decision.
Institutions & policy
Universities, regions and EU programmes lack fine-grained, real-time insight into when support is most needed.
Section 03 · The solution
VitaAvanza is a life OS for people in transition.
One secure place where your money, health logistics, study/work and support come together – powered by DVI and Mitra AI.
A new index – DVI
A weekly snapshot of how “supported” your life is right now. It does not judge you. It shows where pressure is coming from and what can be done.
An AI guide – Mitra
You describe your month in your own words. Mitra translates it into timelines, costs and decisions – and suggests realistic paths to stabilise your DVI.
One view, many systems
Instead of yet another app, VitaAvanza connects to existing services – universities, public services, banks, mobility and health – and turns them into one weekly plan.
Section 04 · Technology snapshot
How VitaAvanza works – without storing what we shouldn’t.
The platform combines schedule, cost and context data – not diagnoses or sensitive records – to build a weekly model of pressure and possibility.
1 · DVI engine
Ingests non-sensitive signals: rent, fixed costs, extra costs, schedule density, exams, health logistics, missing support. Produces weekly scores for Stability, Growth, Wellbeing load and Support.
2 · Mitra scenario layer
Runs simulations: moving appointments, spreading exams, shifting non-urgent costs, connecting to support. Each scenario shows its impact on your DVI in the next weeks.
3 · VitaAvanza OS
Provides one interface for individuals and institutions: a living weekly plan that can integrate with universities, banks, regional services and EU pilots via APIs.
Section 05 · DVI index
DVI – Development Value Index in simple words.
DVI is a weekly snapshot of how “supported” your life is right now. It does not judge you. It shows where pressure is coming from and what can be done.
Stability
Can you cover the basics this month without collapsing? Includes rent, food, fixed costs and minimum income.
Growth
Are you moving forward in study or work? Includes exams, learning effort and realistic progression.
Wellbeing load
How much health and logistics weight is on you? Visits, exams, waiting times and their impact on your schedule.
Support & context
Are you doing this completely alone, or are there services, institutions and networks backing you?
Explainable by design
Every time your DVI changes, VitaAvanza shows you why: “3 exams in 10 days”, “medical cost this week”, “rent + tickets + book fees in the same period”. You stay in control. You can always see and edit what feeds your DVI.
Built for fairness
Traditional scores remove context. DVI restores it – without storing diagnoses or sensitive health data. We only model logistics, effort and constraints, not labels.
Section 06 · Mitra AI
Mitra – an AI that understands “weeks”, not just words.
Mitra turns your chaotic month into a plan: what gets paid, what gets booked, what gets postponed – and what support could help.
From “I’m overwhelmed” to a plan
- You describe your situation in your own words. Mitra translates it into timelines, costs and deadlines.
- It simulates different scenarios to stabilise your DVI over the next weeks.
- You choose the version that feels realistic. No judgement, no “should have”.
Section 07 · Institutions & partners
For institutions, VitaAvanza is a new kind of radar.
Instead of asking for more forms, institutions get an aggregated, anonymised view of pressure – where weeks become impossible and where small interventions create big impact.
What institutions can see
- Aggregated DVI trends for students, young workers and newcomers.
- Pressure peaks around exams, renewals, rent cycles or policy changes.
- Impact of support measures on real weeks, not just annual reports.
- Signals without sensitive detail – no diagnoses, no individual financial data.
How we work with partners
- Co-designing pilot programmes with universities, regions and banks.
- APIs for secure integration with existing portals and CRMs.
- Joint research on wellbeing, access and opportunity.
Segments
Top pressure drivers
- Overlapping exam & work weeks
- Rent + transport spikes in the same month
- Delays in non-urgent health appointments
Console suggests micro-interventions: extended deadlines, targeted support, communication campaigns, new slots for key services.
Section 08 · Pilot & Roadmap
Pilot first, then scale with real evidence.
We begin in Trentino with focused pilots and grow across Italy and Europe only when the data, partners and impact are clear.
Phase 1 – Planned closed beta (2026)
A planned closed beta in Trento for students, young workers and recent arrivals. Weekly DVI updates, Mitra AI planning, and structured feedback loops to validate the model.
Phase 2 – Planned institutional pilot
A future pilot co-designed with universities, student services, and regional actors. Focus on integrations, early-warning indicators, and evidence collection.
Phase 3 – Expansion across Italy & Europe
Gradual expansion to Italian regions and EU partners. APIs for banks, mobility providers, and public services to build a shared infrastructure.
Section 09 · The team
The people behind VitaAvanza.
A founder with lived experience and a COO with international business training, building a platform that reflects real European lives.
Samir Seddiqi · Founder & CEO
Economics & Management student at the University of Trento. Grew up navigating migration, study, work and health logistics without a traditional safety net, which shaped the core idea behind VitaAvanza — understanding real weekly effort, not just credit history.
Samir leads product vision, UX thinking and the structure of the Development Value Index (DVI). His lived experience informs how the platform communicates with stressed and overloaded people.
He coordinates design, content, and AI behaviour for Mitra to ensure the product remains human, practical and radically supportive.
Irene Prado Doncel · Co-Founder & COO
Economics and International Business Study at the university of ALCALA DE HENARES.
Irene is responsible for coordination, operations, partnerships and institutional alignment. She will ensure that future pilots run smoothly with universities, regions and support networks.
Her work focuses on making VitaAvanza scalable — aligning stakeholders, validating evidence-based outcomes, and preparing the platform to expand beyond one city and one country.
Section 10 · Join & collaborate
Join the beta or explore a pilot.
Whether you are an individual, an institution or an innovation programme, we are open to building VitaAvanza together.
Individuals – join the beta
Students, immigrants, young workers: share your email and we’ll invite you to the next test wave.
Institutions & programmes
Universities, regions, banks, innovation funds and EU programmes – we are ready to co-design pilots and research.
Write to us at hello@vitaavanza.com with a short description of who you are and why VitaAvanza is relevant to your mission.