Berlin, September 18, 2025 – Vivid Money today announced its new treasury account. It allows SMEs and freelancers to grow their capital through iBonds, ETFs, money market funds, stocks and crypto-assets — combined in one single, user-friendly application without complex setups or high entry barriers.
In Q2 2025, startups across Europe raised $12.6 billion, according to Crunchbase. Much of this capital sits uninvested in business accounts instead of generating returns — a missed opportunity, especially in an environment where the ECB’s key interest rate is 2%. The reason: Professional treasury tools are mainly built for corporates with entry thresholds in the hundreds of thousands, leaving smaller businesses without good options.
Vivid Money’s treasury account changes this. Now SMEs and freelancers can access the same instruments used by corporates — including iBonds, ETFs, money market funds, staking, and crypto-assets — all in a single, digital, and cost-efficient account with instant liquidity. Assets can be bought or sold at any time, and funds are available directly from the business account — no lock-ups required.
The treasury account can be activated directly in the app with a tax ID and LEI code, which Vivid Money helps request if needed. Once set up, businesses can build a portfolio and manage liquidity flexibly. iBonds provide predictable returns with different maturities, ETFs allow broad diversification, and customizable money market funds remove traditional entry thresholds of €500,000 or more. Crypto-assets and stocks are also integrated, enabling businesses to manage traditional and digital assets in one account — no separate setup required.
With treasury, Vivid Money becomes the first provider in Europe to unite this breadth of investment instruments in one SME-focused account. Businesses can diversify, earn yield, and manage liquidity more strategically — all with just a few taps.
“In economically uncertain times, SMEs need tools to manage their cash with confidence. With treasury, we’re giving every business access to the same professional-grade instruments as corporates — helping them put idle funds to work, extend their runway, and build resilience for the future.” - says Alexander Emeshev, Co-Founder of Vivid Money.
The treasury offering is another step in Vivid Money’s journey to build a true all-in-one platform for SMEs and freelancers — moving beyond traditional banking to address everyday business challenges. As part of this vision, Vivid Money will soon introduce Point-of-Sale terminals that help entrepreneurs accept payments seamlessly, alongside AI-powered tools that automate routine tasks and give business owners more time to focus on growth.
Treasury is available to all SMEs and freelancers across all Vivid Money markets, with money market funds to be added soon. Full details on fees are available here.
The treasury services are provided by Vivid Money B.V., part of the Vivid Group, an investment firm and crypto-asset service provider licensed by the Dutch Authority for the Financial Markets (AFM).
Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. You may not get back the amount originally invested. You can find more information about the risks of investing in financial instruments here and the risk brochure for crypto-asset services here.