Wallets/vivid
Vivid Money
0 standards supported
Overview
Vivid Money is a German-founded mobile banking + investing app operated by Vivid Money GmbH, launched June 2020 in Germany [1, 2]. Vivid combines a banking account, debit card, cashback rewards ("Vivid Money cashback") and an integrated investing/brokerage product (stocks, ETFs, crypto, fractional shares) in a single app, positioning itself as a "super-app" for money. It initially expanded across the Eurozone (Germany, France, Italy, Spain) and later pivoted toward serving small businesses + freelancers alongside its consumer offering.
History
June 2020 — Vivid Money launches in Germany [1, 2]: Co-founded by Alexander Emeshev + Artem Yamanov (both ex-Tinkoff), built on a partner-bank model with Solarisbank issuing accounts and a Visa debit card.
2021 — Eurozone expansion [2]: Rolled out to additional EU markets including France, Italy and Spain; raised growth funding led by Greenoaks and Ribbit Capital, reaching a reported ~€775M valuation.
2022-2023 — Pivot toward SMB / business banking [2]: Vivid added business accounts targeting freelancers and small companies, broadening beyond the consumer cashback-and-invest proposition.
Ownership & operator
Operating entity: Vivid Money GmbH (Germany).
Founders: Alexander Emeshev + Artem Yamanov (ex-Tinkoff Bank).
Major investors: Greenoaks, Ribbit Capital, SoftBank Vision Fund 2 (reported participation) [2].
Regulators: BaFin (Germany); banking services partner-issued via Solarisbank (a BaFin-licensed bank).
Technical integration
| Layer | Description |
|---|---|
| Channels | Vivid mobile app (iOS + Android) + Vivid debit card |
| Identifiers | Email + phone + IBAN + card number |
| EU rails | SEPA Credit Transfer + SEPA Instant |
| Card network | Visa (Vivid debit) |
| Wallets | Apple Pay + Google Pay via EMV tokenization |
| Investing | In-app brokerage — stocks, ETFs, fractional shares, crypto |
| Sub-products | Vivid cashback, Vivid Pockets (sub-accounts), Vivid Business accounts |
Implementations & partners
Operator: Vivid Money GmbH.
Banking partner: Solarisbank (BaFin-licensed; account + card issuance).
Card-network partner: Visa.
Competitors: [[n26]] (German neobank), [[revolut]] (multi-market neobank super-app), [[bunq]] (Dutch neobank), [[trade-republic]] (German neobroker with cash account).
Status
- Vivid Money GmbH operating across Germany + selected Eurozone markets.
- Consumer banking + investing super-app with a growing SMB / business-account focus.
- User and financial metrics not publicly disclosed in verifiable form (~).
Sources
Source
Biography extracted from vivid.md. See matrix.md for standards-support matrix if present.