Vivid Revolutionizes B2B Finance with AI and Active Treasury

A Financial Management Still Too Fragmented for Small Businesses

Small and medium-sized enterprises (SMEs) are facing increasing complexity in managing their finances. Leaders must juggle various bank accounts to receive payments, invest their cash, manage expense reports through external tools, organize business trips on separate platforms, and use distinct invoicing software. This multitude of interfaces creates a fragmented ecosystem, making it difficult to obtain a coherent overview of their financial situation.

Moreover, many companies leave large amounts of cash idle in their current accounts. In the absence of simple, accessible, and flexible solutions, they often choose not to invest, which can be costly, especially in a context of fluctuating interest rates.

Towards Truly Integrated Finance

The question is no longer whether financial tools for small businesses need to evolve, but rather how quickly and to what degree of integration. While the proliferation of solutions has allowed for useful specialization, it has not provided the necessary coherence for overall management. To effectively manage cash flow, invest, analyze, and make decisions, a unified vision is essential.

This continuity between different financial uses — from current accounts to investments, from expense management to business travel, from oversight to automation — defines the new generation of financial platforms. It is within this dynamic that Vivid's approach is fully situated.

From Passive Cash to Active Cash

Vivid has made a significant shift by making cash investment and placement accessible to smaller entities. Historically, these mechanisms were reserved for large companies with substantial financial resources and dedicated financial engineering. Since 2025, Vivid has offered two options for placing cash simply, flexibly, and accessibly.

The Interest Account allows for cash placement with a fixed rate of up to 4% per year. Interest is paid daily, and funds remain available at any time, without blockage.

The Professional Securities Account combines traditional assets such as ETFs, bonds, and stocks with, for the first time in the market, crypto-assets, all within a single interface. This innovation is made possible by the European MiCA license, which strictly regulates cryptocurrency-related services within the European Union.

Cashback and Fees as New Margin Levers

Another area of innovation is expense management. Where expenses were historically seen as burdens, some are now becoming sources of value creation. Vivid has implemented a cashback program that can reach 10% on certain expenses and up to 30% on business travel.

In a context where every margin point counts, this approach transforms the perception of operational costs. The expense tracking tool, connected to accounting, allows for more precise and proactive management.

When Business Travel Becomes a Financial Issue

The year 2025 saw the integration of business travel directly into the financial ecosystem. Hotel bookings, soon to be followed by coworking spaces, trains, and flights, along with real-time expense tracking and automatic cashback, are now centralized.

The goal is to eliminate unnecessary interfaces between operations and finance. A single platform allows for booking, payment, generating cashback, centralizing receipts, and analyzing financial flows.

The French IBAN, a New Anchor Point in the Market

To strengthen its presence in France, Vivid launched its French IBAN at the end of 2025. While this may seem trivial, it is a strong signal for businesses.

Carole Danancher, General Manager of Vivid France, emphasizes that "having a French IBAN is crucial for the adoption of a financial solution by companies. It is both an operational and symbolic prerequisite."

This launch is part of a broader strategy aimed at establishing a lasting presence in the daily lives of French small businesses, with a platform designed as a true financial cockpit, capable of simplifying their operations and optimizing every euro that flows through.

AI as a New Invisible Layer of Productivity

Vivid is developing a new generation of AI agents capable of automating a large part of the administrative tasks that burden leaders: organization, writing, compliance, reporting.

According to data from the platform, these tools already save up to 13 hours per week and several thousand euros per month in indirect costs. This advancement is part of a broader trend where AI becomes an operational support for all businesses, even the smallest.

Startups, Freelancers, SMEs: A Common Financial Equation

Use cases are converging. For a startup in the post-funding phase, the challenge is to extend its runway without further dilution. For a freelancer or an SME, it is about securing activity, smoothing revenues, and absorbing shocks. In both cases, cash becomes a strategic asset.

Carole Danancher reminds us that "letting your capital sit idle is now a real loss of value. Our ambition is to help leaders manage their money with the same precision as their business."

A New Generation of Platforms Facing Traditional Banks

Without directly opposing the traditional banking system, the model proposed by Vivid clearly contrasts with traditional approaches. Where banks stack often siloed products, Vivid adopts a unified platform logic, managed from a single interface.

Regulation, long seen as a barrier to innovation, is now becoming a competitive advantage. MiCA license, European compliance, clear regulation of financial products: essential guarantees that reassure an increasingly demanding professional audience attentive to risk.

France as a Strategic Anchor Ground

With over 30,000 new professional clients in less than a year in Europe, Vivid is accelerating. France is establishing itself as a priority market where the foundation is now complete: local IBAN, dedicated team, advanced adaptation of features. The roadmap is clear: develop the investment offering, expand services related to business travel, generalize AI usage, and consolidate the platform as a single entry point for financial management for small businesses.

SME Finance Enters a New Era

Banking is no longer just a place for deposits. It is becoming a tool for management, yield, optimization… and now automation. For leaders of micro-enterprises, SMEs, and freelancers, this transformation is anything but trivial. It changes their relationship with cash flow, risk management, and growth levers, paving the way for a more active, agile, and strategic finance.