Client Cloud vs. Circula

Zywave Client Cloud is a white-labeled, self-service client portal that insurance brokers and agencies provide to their employer clients as a branded, year-round digital experience. It gives employer clients 24/7 access to HR tools, compliance resources, safety training, employee handbooks, and people management applications — all under your agency's brand, not Zywave's. Most brokers show up at renewal and disappear until the next one.

Circula is the flexible spend management solution for German finance teams. The Berlin-based software combines all company spend in one modular platform: out-of-pocket expenses, travel costs, corporate credit cards, employee benefits, and accounts payable, built for the specific requirements of German tax law. Unlike global platforms, Circula was built from the ground up for the needs of German finance and accounting processes: GoBD-compliant workflows, native BMF per diem rates, and automatic three-month rule checks ensure that accounting receives clean, complete data.