Draft:Vivid Money
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Submission declined on 30 August 2025 by CNMall41 (talk).
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This draft has been resubmitted and is currently awaiting re-review. |  |
| Submission declined on 24 July 2025 by PunjabiEditor69 (talk). This draft's references do not show that the subject qualifies for a Wikipedia article. In summary, the draft needs multiple published sources that are:
This submission appears to read more like an advertisement than an entry in an encyclopedia. Encyclopedia articles need to be written from a neutral point of view, and should refer to a range of independent, reliable, published sources, not just to materials produced by the creator of the subject being discussed. This is important so that the article can meet Wikipedia's verifiability policy and the notability of the subject can be established. If you still feel that this subject is worthy of inclusion in Wikipedia, please rewrite your submission to comply with these policies. Declined by PunjabiEditor69 2 months ago. | |
| Submission declined on 21 June 2025 by Lijil (talk). This submission appears to read more like an advertisement than an entry in an encyclopedia. Encyclopedia articles need to be written from a neutral point of view, and should refer to a range of independent, reliable, published sources, not just to materials produced by the creator of the subject being discussed. This is important so that the article can meet Wikipedia's verifiability policy and the notability of the subject can be established. If you still feel that this subject is worthy of inclusion in Wikipedia, please rewrite your submission to comply with these policies. This draft's references do not show that the subject qualifies for a Wikipedia article. In summary, the draft needs multiple published sources that are: Declined by Lijil 3 months ago.
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Comment: There is still promotional tone but that can be fixed. The main issue is notability. As a company, this must meet WP:NCORP which means there must be sources that meet WP:ORGCRIT. Everything I see here and everything I find online is basically routine coverage of funding announcements, launch, etc. Nothing that meets WP:CORPDEPTH. If resubmitting, please indicate the WP:THREE on the talk page to help reviewers in evaluating notability. CNMall41 (talk) 21:29, 30 August 2025 (UTC)
- Comment: Please read Wikipedia:Notability (organizations and companies). If you believe the company is notable given the criteria, rewrite the article to show this. E.g. has it "had any significant or demonstrable effects on culture, society, entertainment, athletics, economies, history, literature, science, or education." Also, a lot of your sources only provide trivial coverage, e.g. of funding, administrative details, etc. Read about this here: Wikipedia:Notability_(organizations_and_companies)#Examples_of_trivial_coverage. Lijil (talk) 20:52, 21 June 2025 (UTC)
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| Company type | Private |
|---|---|
| Industry | Financial technology |
| Founded | 2019 |
| Founder | Alexander Emeshev; Artem Iamanov |
| Headquarters | , |
Area served | European Economic Area; Switzerland |
| Products | Business account; current account; payment cards; cashback, invoicing; accounting software integrations; cryptocurrency exchange |
Number of employees | 200+ (2024) |
Vivid Money is a German neobank and financial technology company headquartered in Berlin.[1] It provides business accounts for freelancers and small- and medium-sized enterprises (SMEs) and personal accounts in several European countries via mobile and web applications.[1][2] Its services include business accounts, payment cards, cashback, invoicing, investment, and crypto-assets services.[1][3] Through subsidiaries, Vivid Money holds an electronic money institution authorisation in Luxembourg, a MiFID II investment firm licence in the Netherlands, and is authorised under the EU Markets in Crypto-Assets Regulation (MiCAR) to provide crypto-asset services.[4][5][6] Investors include Greenoaks, SoftBank Vision Fund 2, and Ribbit Capital.[3][7]
History
[edit]2019–2021: Founding and early operations
[edit]Vivid Money was founded in 2019 by Alexander Emeshev and Artem Iamanov.[1][8] The service launched in 2020 on Solarisbank’s infrastructure, offering current accounts, debit cards, sub-accounts (“pockets”), and cashback to retail customers.[1] In April 2021, the company raised €60 million in a Series B round led by Greenoaks, valuing it at about €360 million.[7]
2022: Licensing and funding
[edit]In 2022, the Dutch Authority for the Financial Markets (AFM) licensed Vivid Money B.V. as an investment firm under MiFID II.[5] In February 2022, the company raised about €100 million (US$114 million) in a Series C led by Greenoaks with participation from SoftBank Vision Fund 2 and Ribbit Capital, at a reported valuation of about €775 million (US$886 million). At the time, Vivid had more than 500,000 customers across four countries and planned further European expansion.[3] In March 2022, Vivid withdrew its application for an Irish e-money licence.[9] In October 2022, customers of the insolvent neobank Nuri were offered the option to open an account with Vivid.[10][11] FinanceFWD reported that Vivid's revenue increased year on year in 2022 while the company remained loss-making.[12]
2024–present: SME business services and acquisitions
[edit]Vivid began offering business services in early 2024.[2][13][14] In January 2024, it acquired the Luxembourg-based fintech Joompay, which held an e-money licence in Luxembourg.[15] In July 2024, Vivid acquired the treasury-management technology of Berlin startup Pile, adding multi-banking, money-transfer, account-consolidation, and financial-reporting tools.[16]
In March 2025, the company announced plans to strengthen its focus on business services and to extend its business offering beyond Germany to France, Italy, Spain, Luxembourg, and the Netherlands.[2][13][14] The SME customer base at that time was around 30,000.[2] By 12 June 2025, it was reported to have reached 50,000 business customers.[17][18] In 2025 and July 2025, Vivid also introduced local NL IBANs in the Netherlands and ES IBANs in Spain for businesses and the self-employed.[19][20][21]
Products and services
[edit]Vivid Money provides personal and business accounts via mobile and web applications.[1][2] Retail services include current accounts, debit cards, and cashback.[1] The app supports trading in European and US equities, exchange-traded funds, and selected crypto-assets where permitted.[3]
For business customers, including freelancers and SMEs, Vivid provides business accounts and tools such as invoicing and integrations with accounting software. Business account balances can earn interest.[22][23] After acquiring the treasury-management technology of Pile, Vivid added functionality for multi-banking, money-transfer, account-consolidation, and financial-reporting tools.[16]
Licensing and regulation
[edit]Vivid Money S.A. (Luxembourg) is authorised by the Commission de Surveillance du Secteur Financier (CSSF) as an electronic money institution (EMI) to provide e-money and payment services.[4]
Vivid Money B.V. (Netherlands) holds an investment-firm licence from the AFM under MiFID II and is authorised as a crypto-asset service provider under the EU Markets in Crypto-Assets Regulation (MiCAR).[5][6]
See also
[edit]References
[edit]- ^ a b c d e f g Dillet, Romain (2020-06-18). "Vivid is a new challenger bank built on top of Solarisbank". TechCrunch. Retrieved 2025-08-29.
- ^ a b c d e Reynolds, John (2025-03-13). "SoftBank-backed Vivid Money switches focus from retail to SME banking". Tech.eu. Retrieved 2025-08-29.
- ^ a b c d Lunden, Ingrid (2022-02-07). "Vivid Money, a financial super app, raises $114M at an $886M valuation to expand in Europe". TechCrunch. Retrieved 2025-08-29.
- ^ a b "VIVID MONEY S.A." CSSF eDesk. Retrieved 2025-08-29.
- ^ a b c "Result from register investment firms: Vivid Money B.V." AFM Register. Retrieved 2025-08-29.
- ^ a b "Vivid Money B.V. — DASP/CASP whitelist". Autorité des marchés financiers (AMF). Retrieved 2025-08-29.
- ^ a b Douglas, Douglas (2021-04-29). "All-in-one finance app Vivid Money raises 60 mln euros from investors". Reuters. Retrieved 2025-08-29.
- ^ Musgrove, Annie (2020-06-08). "Vivid Money, a Berlin-based digital banking service, is launching today in partnership with solarisBank and Visa". Tech.eu. Retrieved 2025-08-29.
- ^ Taylor, Charlie (2022-03-30). "Revolut rival Vivid withdraws application for Irish e-money licence". The Irish Times. Retrieved 2025-08-29.
- ^ Klotz, Nina Anika (2022-10-26). "Fintech Nuri: Der tiefe Fall nach dem Krypto-Crash". WELT (in German). Retrieved 2025-08-29.
- ^ Schlenk, Caspar Tobias (2022-10-18). "Nach Insolvenz: Nuri schließt Konten, Firma wird abgewickelt". FinanceFWD (in German). Retrieved 2025-08-29.
- ^ Hüfner, Daniel (2024-01-10). "Vivid vervierfacht den Umsatz – trotzdem hat die Bilanz einen Haken". FinanceFWD (in German). Retrieved 2025-08-29.
- ^ a b Weidemann, Tobias (2025-03-13). "Neuer Kurs bei Vivid Money: Von der Neobank zur Business-Plattform". t3n (in German). Retrieved 2025-08-29.
- ^ a b "Vivid Money: Neobank-Rennen beendet – strategische Neuausrichtung zur Business-Bank". IT-Finanzmagazin (in German). 2025-03-14. Retrieved 2025-08-29.
- ^ "Luther Guides Vivid Money's Acquisition of Joompay Europe S.A." Luther Law Firm. 2024-01-26. Retrieved 2025-08-29.
- ^ a b Pathe, Tyler (2024-07-04). "German fintech Vivid Money buys Pile's treasury solution". FinTech Futures. Retrieved 2025-08-29.
- ^ "Vivid hits 50,000 SME customers and sets new record in customer growth". FF News. 2025-06-12. Retrieved 2025-08-29.
- ^ "Vivid targets full-stack SME banking with 50K clients and treasury expansion". The Digital Banker. 2025-06-16. Retrieved 2025-08-29.
- ^ "BIC en Identifier 'VVIDNL22' toegevoegd aan de SEPA BIC-lijst". Betaalvereniging Nederland (in Dutch). 2025-05-15. Retrieved 2025-08-29.
- ^ García, Cristina (2025-07-10). "Vivid estrena IBAN español… para empresas y autónomos". El Economista (in Spanish). Retrieved 2025-08-29.
- ^ Stock, Andrea Núñez-Torrón (2025-07-11). "El neobanco Vivid desafía a la banca tradicional: estrena IBAN español y ofrece una rentabilidad inicial del 4% a empresas y autónomos". Business Insider España (in Spanish). Retrieved 2025-08-29.
- ^ Weidemann, Tobias (2024-01-23). "Vivid startet Business-Konto mit 4 % Zinsen". t3n (in German). Retrieved 2025-08-29.
- ^ "Vivid introduces Vivid Business for small and medium enterprises (SMEs)". Qorus Global. 2024-01-25. Retrieved 2025-08-29.
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