“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?”
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.
Vivid Europe discloses Vivid Money S.A. (in-house) and Banking Circle as its banking providers, according to the Embedded Finance Index 2026.
Vivid Europe does not disclose a bank charter of its own; its banking services are provided through Vivid Money S.A. (in-house) and Banking Circle.
Vivid Europe processes payments through Adyen.
Vivid Europe's cards are issued through Vivid Money S.A. (in-house) on the Visa network.
Vivid Europe uses Banking Circle for FX and cross-border payouts.
Vivid Europe's crypto products run on Vivid Money B.V. (in-house).
Vivid Europe's investing and wealth products are powered by Vivid Money B.V. (in-house).
The Embedded Finance Index 2026 maps 9 layers in Vivid Europe's stack: Payments / PSP (Adyen); Banking / BaaS (Vivid Money S.A. (in-house) and Banking Circle); Card issuing (Vivid Money S.A. (in-house)); Card network (Visa); FX & payouts (Banking Circle); Crypto (Vivid Money B.V. (in-house)); Investing (Vivid Money B.V. (in-house)); Accounting (DATEV and lexoffice); Treasury (Vivid Money S.A. (in-house)).
Vivid Europe was founded by Alexander Emeshev and Artem Iamanov and is founded in 2019, headquartered in Berlin, Germany.
Vivid Europe has raised €175M in total (latest round: Series C, 2022; valuation: €775M (~$886M, 2022)).
Get a read on where your own stack stands against Vivid Europe 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.