“Can a single mobility-benefits platform replace the company car as the default German employee perk?”
NAVIT is the consumer brand of RYDES GmbH, a Berlin-based mobility benefits platform offering employers a single tool for Deutschlandticket, mobility budgets, bike leasing, fuel & charge, and car subscriptions. The product centers on a 'Mobility Budget Card' (digital credit card) plus an HR/finance dashboard with payroll-export and tax-compliance workflows for the German Sachbezug regime.
NAVIT processes payments through Adyen. Disclosed money-movement rails: SEPA.
The Embedded Finance Index 2026 maps 3 layers in NAVIT's stack: Payments / PSP (Adyen); Money movement (SEPA); Accounting (DATEV, SAP, Personio and Workday).
NAVIT is headquartered in Berlin, Germany.
Get a read on where your own stack stands against NAVIT 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.