Vivid Europe
“Can a former consumer neobank become the all-in-one financial platform for European SMEs by owning its EMI license and stacking business banking, FX, acquiring and yield on top?”
Founded2019
HQBerlin, Germany
FoundersAlexander Emeshev, Artem Iamanov
Total raised€175M
Latest roundSeries C, 2022
Valuation€775M (~$886M, 2022)
IndustryFintech / SMB banking
The story
Founded 2019 in Berlin as a Revolut-style consumer super-app built on Solarisbank. In 2024 executed a major pivot: became its own regulated EMI in Luxembourg (Vivid Money S.A.), migrated banking rails from Solarisbank to Banking Circle, and repositioned around SME/freelancer business banking rather than pure consumer. Now marketed as an 'all-in-one financial solution for companies and freelancers' with high-yield interest accounts, multi-currency payments, and embedded acquiring via Adyen.
Product timeline
2020
Launched as a challenger bank on Solarisbank infrastructure with metal debit card and multi-pocket accounts.· banking
2021
Series B raised at €360M valuation; expanded across Europe.· banking
2022
Series C at €775M valuation; expanded super-app with stocks & crypto.· pivot
2024
Migrated from Solarisbank to own Luxembourg EMI (Vivid Money S.A.) and Banking Circle infrastructure — Vivid 2.0.· pivot
2026
Partnership with Adyen for instant card payment settlement for SMBs.· banking
Regulated entities
2
regulatory licences held by Vivid Europe
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Vivid Europe was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
8 layers disclosed in Vivid Europe’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
FX & payouts
in the full report
Crypto
in the full report
Investing
in the full report
Accounting
in the full report
Accounting gap: minor
9 more providers across 7 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.