“Can a freelancer-first financial platform combine Merchant-of-Record invoicing with EUR banking and cards to replace the need for a registered company?”
Juuli is a London/Estonia-based fintech platform serving freelancers and small EEA businesses. Its core offering bundles a dedicated German EUR IBAN, Visa debit cards, invoicing, and a Merchant-of-Record service that lets freelancers invoice global clients without registering a company. The Estonian entity Juuli FS LTD acts as the legal seller, handling VAT and compliance across 30+ countries.
Juuli processes payments through Juuli (Merchant of Record, self-operated). Disclosed money-movement rails: SWIFT, SEPA Instant and SEPA.
The Embedded Finance Index 2026 maps 3 layers in Juuli's stack: Payments / PSP (Juuli (Merchant of Record, self-operated)); Money movement (SWIFT, SEPA Instant and SEPA); Tax (Juuli (Merchant of Record, self-operated)).
Juuli is headquartered in London, United Kingdom.
Get a read on where your own stack stands against Juuli and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.