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Raphaël Vullierme: From Luko to Hexa and the Future of AI-Driven Risk management
February 6,2026
raphaël vullierme,co-founder of the innovative home insurance startup Luko,is embarking on a new chapter as an associate at startup studio Hexa. This move follows a complex period for Luko, which was acquired by Allianz after facing financial challenges. Vullierme’s transition signifies a continued commitment to technological innovation, now focused on the burgeoning fields of defense, artificial intelligence (AI), and robotics.
The Luko Story: Rise and Acquisition
Luko quickly gained prominence in the French Tech scene for its disruptive approach to home insurance, leveraging technology to streamline processes and enhance customer experience. The company successfully raised over 70 million euros in funding, demonstrating meaningful investor confidence. However, despite this initial success, Luko encountered substantial debt and ultimately faced acquisition by Allianz for 4.3 million euros in a commercial court proceeding .
A Period of Exploration and New Ventures
Following a six-month period with Allianz as initially planned, Vullierme took a year for personal and professional exploration. this time was dedicated to deepening his understanding of critical technologies, including defense systems, artificial intelligence, and robotics, with travel between San Francisco and Europe. This exploration has already yielded results: Vullierme has launched a bootstrapped startup focused on developing AI agents for risk management within financial institutions. “It’s bootstrapped and running on its own,” he stated, indicating a lean and self-sufficient operation.
Hexa: A New Platform for Innovation
Joining Hexa as an associate represents a strategic move for Vullierme.Startup studios like Hexa provide a platform for building and scaling new ventures, offering resources and expertise to entrepreneurs. This role allows Vullierme to apply his experience and insights to a broader range of projects, fostering innovation across multiple sectors.
What is a Startup Studio?
Startup studios, also known as venture builders, are organizations designed to repeatedly create new companies. Unlike traditional venture capital firms that invest in existing startups, studios actively participate in the ideation, development, and launch of new businesses. They typically provide resources such as funding, technical expertise, and operational support.
The Growing Importance of AI in Risk Management
Vullierme’s focus on AI-driven risk management reflects a growing trend within the financial industry. AI and machine learning algorithms are increasingly being used to identify, assess, and mitigate risks more effectively than traditional methods. These technologies can analyze vast datasets, detect patterns, and predict potential threats, enabling financial institutions to make more informed decisions and protect their assets.