← 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
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.