← Embedded Finance Index 2026

Vivid Money

“Can a Luxembourg-licensed EMI become the financial operating system for European SMEs by combining neobank accounts, embedded lending, AI-powered tax/bookkeeping, and open-banking integrations in a single app?”

Founded2020
HQLuxembourg (Vivid Money S.A.) / Berlin, Germany (Vivid Money GmbH)
IndustryFintech / SMB banking
The story

Vivid Money launched in 2020 as a consumer neobank riding on Solarisbank's BaaS infrastructure, competing in the crowded European challenger bank space with cashback-heavy Visa cards and integrated investing. It obtained its own Luxembourg EMI licence (Vivid Money S.A.) and pivoted heavily toward SMB/freelancer banking from 2023 onward, building out business accounts, invoicing, tax filing, and cash management as primary differentiators. By 2025, Vivid had repositioned as an all-in-one financial OS for European SMEs — embedding lending (Banxware, finmid), multi-currency IBAN infrastructure (Banking Circle for vIBANs), open-banking-powered accounting integrations (finAPI), and AI-driven bookkeeping and tax tools.

Last 12 months
2025-08
2025-10
2025-10
2025-11
2026-02
Product timeline
2020
Launched Vivid Money as a personal neobank offering IBAN accounts and Visa cards for European consumers, initially regulated under Solarisbank's banking licence.· banking
2021
Added investing features including stocks, ETFs, and crypto trading to the personal account.· banking
2022
Obtained own EMI licence (Vivid Money S.A.) from CSSF Luxembourg, reducing dependence on Solarisbank.· banking
2023
Launched Vivid Business account targeting SMEs and freelancers across Europe.· banking
2024
Introduced lending products via Banxware and finmid partnerships for SME working capital.· lending
2025
Launched Vivid Tax (VAT filing for German freelancers), Credit Line product, POS terminals, cash management tools, and Digital Employees AI feature.· pivot
Regulated entities
6
regulatory licences held by Vivid Money
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
8 layers disclosed in Vivid Money’s embedded-finance stack
Payments / PSP
Vivid Money S.A. (self-operated)
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Open banking
in the full report
KYC
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: minor
13 more providers across 7 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.