Vivid Money

Vivid is a European fintech company founded in Berlin in 2019 by Artem Iamanov and Alexander Emeshev, formerly executives at Tinkoff Bank, according to the supplied Italian-language company article. The company describes itself as a one-stop solution for personal and business financial needs. Its commercial operations began in Germany in 2020, and it subsequently expanded into other European markets. Vivid says it serves customers in 30 EEA countries and Switzerland and has offices and technology hubs including Amsterdam, Luxembourg and Limassol. Its regulatory footprint spans multiple EU member states. The current Vivid Europe website presents the platform chiefly as a business-finance service for companies and freelancers. Its advertised tools include business accounts with IBANs, interest accounts, cards and cashback, SEPA Instant and SWIFT transfers, online payment acceptance, invoicing and bookkeeping. The site also promotes digital employees—AI assistants intended to help businesses delegate routine tasks—and business card controls for teams. Specific rates and promotional terms shown on the website are product offers and may change; they should not be taken as permanent characteristics of the brand. Vivid’s earlier platform was described as combining payment accounts, money-management services, digital-asset trading and business-reporting modules. The supplied Italian article says that in March 2025 the company ended marketing to and acquisition of new private customers, while existing private-customer services remained active. It describes the subsequent strategic focus as business customers and professionals. Vivid’s own current website likewise foregrounds business accounts and tools, while also referring to personal accounts. The company is privately held and has raised venture-capital funding. The supplied company article reports three major rounds: a 2020 Series A led by Ribbit Capital, a 2021 Series B led by Greenoaks Capital and a 2022 Series C led by Greenoaks Capital, with participation from Ribbit Capital and SoftBank Vision Fund 2. The official About page says Vivid has raised more than €200 million. Vivid also reports a partnership with Adyen for payment acquiring for small and medium-sized businesses. Its website describes a European financial group, but the supplied evidence does not establish a definitive ultimate parent or current ownership breakdown.

Vivid was founded in Berlin in 2019. The supplied Italian-language company article identifies its founders as Artem Iamanov and Alexander Emeshev, former executives of Tinkoff Bank. Vivid’s own About page calls Berlin the company’s founding location and places its origin in Germany’s fintech scene. The company began commercial operations in Germany in June 2020, according to the Italian article. Its official site separately identifies 2020 as the launch of Vivid Money. The company expanded beyond its initial German market. The supplied article says Vivid announced its entry into Italy in April 2021 and formally began commercial operations there in July 2021. The company’s current About page describes its services as available in 30 EEA countries and Switzerland, and lists offices and technology hubs in Amsterdam, Luxembourg and Limassol. Vivid presents its offering as a digital financial ecosystem. The supplied company article describes earlier services spanning payment accounts, money management, digital-asset trading and business reporting. Vivid’s funding history included a Series A in November 2020 led by Ribbit Capital, a Series B in 2021 led by Greenoaks Capital, and a Series C in February 2022 led by Greenoaks Capital, with Ribbit Capital and SoftBank Vision Fund 2 participating. The supplied article reports the rounds’ amounts and valuations, while Vivid’s current About page summarizes its fundraising as more than €200 million. These sources establish venture backing but do not provide a complete current ownership breakdown. The company’s regulatory and service infrastructure also evolved. The supplied Italian article says that Vivid initially provided EU accounts and payment services through a Banking-as-a-Service arrangement with Solaris SE. It reports that Vivid acquired Joompay and obtained a Luxembourg electronic-money institution licence, beginning a transition to a structure described as “Vivid 2.0.” The same article describes Vivid Money B.V. as the reference entity for investment and treasury services, and reports that Vivid obtained a MiCAR authorization for digital-asset services in 2025. Vivid’s own About page also highlights a MiCAR licence as a basis for EU-wide expansion. These descriptions refer to particular services and legal entities; they do not establish that Vivid is a licensed bank. In March 2025, according to the Italian article, management restructured the business model, stopped marketing to and acquiring new private customers, and concentrated technology development on companies and professionals. The article says previously contracted private-customer services remained available, without further commercial development. Vivid’s current website aligns with the business emphasis: it foregrounds accounts and financial tools for companies and freelancers, including cards, transfers, payments, invoicing, bookkeeping and AI-powered Digital Employees. The site also continues to mention personal accounts. Vivid has continued to describe new business-facing services and partnerships. Its About page says the company is working with Adyen on card acquiring for SMBs and cites the introduction of AI-powered Digital Employees. The current site presents Vivid as a European financial group, but the evidence provided here does not identify a definitive ultimate parent company, a complete ownership structure, or named current executives.

• Vivid founded in Berlin

• Commercial launch in Germany

• Series A funding

• Expansion into Italy and Series B

• Series C funding

• Regulatory infrastructure transition

• Strategic focus shifted to business customers

• MiCAR authorization highlighted for EU expansion

• Adyen partnership announced

A European all-in-one financial platform, currently presented primarily as a business-finance solution for companies and freelancers.

• Business Account

  A business-finance account presented for companies and freelancers, with account management and payment features.

• Business cards and cashback

  Team cards with spending controls and cashback offers, as described on Vivid’s business pages.

• Online payments

  Tools for businesses to accept customer payments through invoices, payment links or a website.

• Invoicing and bookkeeping

  Business tools to issue invoices, track outstanding amounts, send reminders and organize financial records.

• Digital Employees

  AI assistants presented as helping companies delegate routine tasks.

• Best Business Account 2026
• Business card cashback promotion

• Discontinued acquisition marketing for new private customersOther

1. 1About Vivid | Vivid Europevivid.money
2. 2Get the Best Business Account 2026 | Vivid Europevivid.money
3. 3The business account without spending limitvivid.money
4. 4Vivid (azienda)it.wikipedia.org
5. 5Vivid Moneywikidata.org
6. 6KeMar Kitchenware customer story | Vivid Businessvivid.money