Berlin, March 6, 2026 – Vivid is adding currencies (USD and GBP) to the Interest Accounts and expanding its treasury offering with over 100 new investment instruments and a significantly upgraded web interface, strengthening its position as one of Europe’s most comprehensive financial platforms for SMEs.
After surpassing 100,000 SME customers in under two years, Vivid continues to evolve its core product “Treasury”, making it even easier for startups and fintechs to actively manage liquidity and make better use of their capital.
The funding environment for European startups has shifted. Capital has become more selective, fundraising cycles longer, and around 60% of investment now originates from international — particularly US (27%) — investors.* This means a significant share of startups raise capital in USD, increasing currency exposure.
This has operational implications. Startups increasingly manage multi-currency balances, while preserving runway and optimizing liquidity have become central financial priorities. Cash management is no longer a peripheral function but a strategic lever.
With Vivid’s multi-currency Interest Accounts, companies can hold USD and GBP balances directly within their Interest Account, earning up to 5% p.a. during the promotional period, and use these funds for payments via SWIFT without currency conversion or separate account setups.
The strong uptake of Vivid’s treasury offering, launched in 2025, reflects this shift toward more active liquidity management. Between February 2025 and February 2026, the number of treasury users increased 2.5x, while total balances nearly tripled.
With the expansion into USD and GBP Interest Accounts and a broader set of investment instruments, Vivid further develops its treasury capabilities to address the evolving funding landscape — integrating professional liquidity management directly into the business banking environment.
Effective immediately, SMEs across the EU can earn fixed interest:
The USD and GBP accounts include incoming SWIFT capability and integrate seamlessly into Vivid’s existing infrastructure.
“Raising capital is only one side of the equation. Managing it efficiently is what determines resilience,” said Esmond Berkhout, CEO of Vivid Money B.V. and responsible for Treasury at Vivid.
“With multi-currency interest, startups can turn operational balances into a source of additional liquidity — directly within their primary business account and use those funds for international payments whenever needed.”
For fintechs and internationally active companies, this means USD funding rounds and foreign revenues no longer need to sit idle or require separate treasury solutions — eliminating unnecessary currency conversions and making liquidity management more cost-efficient.
Alongside multi-currency Interest Accounts, Vivid expands its treasury product with more than 100 additional instruments, including ETFs and money market funds.
For the first time, full Treasury functionality is available via web browser, offering:
This brings broker-style transparency and treasury control directly into SME finance — within one regulated European platform.
Alexander Emeshev, Co-Founder of Vivid, said:
“Startups today operate globally from day one. Their financial infrastructure should reflect that.
We are building a platform where finances and treasury are no longer separate systems. Liquidity management becomes a built-in capability — not an afterthought.”
The expansion is part of Vivid’s broader strategy to evolve from a digital finance platform into a fully integrated financial operating system for Freelancers & Startups with the ambition to double its business customer base and strengthen its position as one of Europe’s fastest-growing financial platforms for SMEs.
* Source: https://www.kfw.de/PDF/Download-Center/Konzernthemen/Research/PDF-Dokumente-Fokus-Volkswirtschaft/Fokus-englische-Dateien/Fokus-2025-EN/Focus-No.-506-July-2025-Cross-Border-VC.pdf?utm
** 5% p.a. during the promotional period on USD and GBP balances. After the promotional period, up to 3% p.a. - limits may apply - depending on the selected plan. For further information, please visit our website.
*** The rates are fixed but may be subject to change based on market conditions or Vivid’s discretionary decisions. Any changes will be communicated in advance.