Financial strategy for Europe's Small and Medium Enterprises (SMEs) proposes the utilization of Exchange-Traded Funds (ETFs), Money Market Funds (MMFs), and Cryptocurrencies.
In Q2 2025, European startups raised a significant amount of capital totalling $12.6bn. Amidst this influx of funds, much of the raised capital remains uninvested in business accounts. To address this issue, Vivid Money has launched a treasury account designed specifically for SMEs and freelancers.
This new account aims to help businesses put idle funds to work, extend their runway, and build resilience for the future. According to Alexander Emeshev, co-founder of Vivid Money, the treasury account is designed to provide professional-grade investment instruments to every business, similar to those typically available to corporates.
Historically, treasury accounts have been designed primarily for corporates with high minimum investment thresholds. However, Vivid Money is the first provider in Europe to offer a variety of investment instruments within one SME-focused treasury account. The account offers investment options in iBonds, ETFs, money market funds, stocks, and crypto-assets.
Activation of the account requires a tax ID and LEI code. Once activated, funds on the new platform are directly available to the business account, allowing businesses to buy and sell assets at any time without lock-ups. The treasury account from Vivid Money is intended to help SMEs manage cash with confidence in economically uncertain times.
While there is no publicly available information specifying which company will be the first in Europe to launch in Q3 2025 an SME-oriented account platform integrating multiple investment instruments like iBonds, ETFs, money market funds, stocks, and cryptocurrencies within a single account structure, the launch of Vivid Money's treasury account marks a significant step towards democratising investment opportunities for SMEs and freelancers.
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