Hrmony
“Can a Berlin-based benefits SaaS own the German tax-free employee-benefits category by digitizing every statutory allowance into a single payroll-integrated portal?”
Founded2015
HQBerlin, Germany
Latest roundSeries A
IndustryVertical SaaS / HR & Employee Benefits
The story
Founded 2015 in Berlin as Lunchio, a digital meal-voucher (Essenszuschuss) platform exploiting Germany's tax-free meal-allowance rules. Rebranded as Hrmony and broadened into a multi-benefit platform covering Sachbezug €50 goods vouchers, mobility, internet allowance and special-occasion gifts — administered through a single HR/payroll-integrated portal. Positioned as a vertical benefits SaaS rather than a BaaS or card-issuing fintech; the embedded-finance surface is a co-branded HelloBonnie prepaid card for Sachbezug redemption.
Last 12 months
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Product timeline
2015
Founded in Berlin as Lunchio, offering digital meal allowance (Essenszuschuss) for German employers.· pivot
2020
Rebranded from Lunchio to Hrmony and expanded to broader tax-free German employee benefits portfolio (Sachbezug, mobility, internet, gifts).· pivot
The stack
0 layers disclosed in Hrmony’s embedded-finance stack
Accounting gap: none