← Embedded Finance Index 2026

Buycycle

“Can a marketplace for pre-owned bikes become the trusted global platform for all premium pre-owned sports gear?”

Founded2021
HQMunich, Germany
FoundersTheodor Golditchuk, Jonas Jäger, Florian
Total raised€23M
Latest roundEarly Stage VC
IndustryMarketplace / Two-sided

The story

Founded in 2021 by three university friends in Munich, Buycycle established itself as Europe's leading marketplace for pre-owned premium bikes with buyer protection, secure escrow-style payments and insured shipping. In 2024 it expanded into the US (Buycycle Inc., NY) and launched a custom AI chat assistant. By 2026 it broadened beyond bikes into running gear and spun out its logistics as a standalone bike-shipping service for shops.

Last 12 months

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Product timeline

2021

Buycycle founded in Munich as a marketplace for pre-owned premium bikes· launch

2024

Expanded into the US market, incorporating Buycycle Inc. in New York· expansion

2024

Launched custom AI chat assistant powered by OpenAI ChatGPT for customer support· product

2025

Expanded into running and trail running gear beyond cycling· product

2026

Launched standalone bike shipping service for shops and retailers· product

The stack

3 layers disclosed in Buycycle’s embedded-finance stack

Payments / PSP

Stripe

KYC

in the full report

FX & payouts

in the full report

Accounting gap: none

3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Buycycle — frequently asked

Who is Buycycle's payment processor?

Buycycle processes payments through Stripe.

Which KYC provider does Buycycle use?

Buycycle uses Onfido and Stripe Identity for KYC and identity verification.

Who handles Buycycle's FX and cross-border payouts?

Buycycle uses Stripe for FX and cross-border payouts.

What is Buycycle's embedded finance stack?

The Embedded Finance Index 2026 maps 3 layers in Buycycle's stack: Payments / PSP (Stripe); KYC (Onfido and Stripe Identity); FX & payouts (Stripe).

Who founded Buycycle?

Buycycle was founded by Theodor Golditchuk, Jonas Jäger and Florian and is founded in 2021, headquartered in Munich, Germany.

How much funding has Buycycle raised?

Buycycle has raised €23M in total (latest round: Early Stage VC).

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