Investigation by the Wired France editorial teamDecember 17, 2025
The era of the old-fashioned bank, with its unreachable advisors, outdated interfaces, and anemic returns, is drawing to a close. Faced with inflation that has reshaped the rules of the global macroeconomic game, financial inaction is no longer an option; it’s a slow form of economic suicide. In this stagnant landscape, a European Super-App is rewriting the source code of financial management for both individuals (B2C) and businesses (B2B): Vivid Money .
Gone are the days when you had to juggle a checking account app, an obscure broker for your stocks, and a complex platform for your digital assets. Today, technological convergence allows you to unify the entire financial spectrum within a single interface. To understand this tectonic shift, we followed two radically different profiles: Julien, 32, a freelance designer looking to maximize his savings in the face of inflation, and Sarah, 41, founder of “TechFlow,” a rapidly growing B2B services SME obsessed with optimizing her cash flow.
Through their screens, let’s delve into the technical and financial inner workings of the tools that make Wall Street and La Défense tremble.
Key Ecosystem Points
- Liquid return: A 3.85% savings account to counter daily inflation.
- Cash locked in: A 4.76% rate ideal for SMEs and long-term projects.
- Secure Web3: Regulated Crypto Access (MiCAR) with a passive yield of up to 8%.
- Accessible stock market: Equity and ETF portfolio via fractional investment from €0.01.
The anti-inflation shield: The striking power of the 3.85% savings account
For Julien, the situation was bleak. His emergency savings, held in traditional current accounts or capped regulated savings accounts, were dwindling rapidly under the weight of inflation. The problem with traditional short-term savings is their lack of flexibility coupled with often negative real interest rates.
This is where the Vivid Money ecosystem makes its first big move with its 3.85% savings account .
Immediate liquidity meets high yield
In the design of financial products, there’s generally a trilemma: return, security, and liquidity. Historically, achieving a return required sacrificing liquidity. The 3.85% Savings Account breaks this dogma. For Julien, the user experience (UX) is remarkably seamless. His money isn’t tied up. It generates interest daily, while remaining available in a fraction of a second to cover unexpected expenses, pay taxes, or seize a sudden market opportunity.
It’s not magic; it’s high-precision financial engineering, made possible by a lean cost structure (no physical branches, AI-powered automated processes) that allows Vivid Money to redistribute value directly to the end user. For Julien, a freelancer, this passive income stream on his current cash flow acts as an essential psychological and financial buffer in an uncertain economy.
Locking in your cash flow: The miracle of the 4.76% rate for professionals and individuals
While Julien is looking for liquidity, Sarah, the SME manager, has a different problem. “TechFlow” has just raised funds and received significant annual invoices. She now has several hundred thousand euros in excess cash that won’t be needed for another 12 to 18 months. Leaving this money sitting in a traditional business account means literally losing the company’s purchasing power.
Institutional strategy at your fingertips
The solution is clearly a fixed-term deposit account. But not just any account: the 4.76% fixed-term deposit offered by the application.
A fixed-term deposit account (CAT) is a contract by which a company or individual agrees to lock up their funds for a specified period in exchange for a guaranteed interest rate. The 4.76% CAT is a true fortress for capital. By locking in this exceptional return, Sarah ensures that her cash is actively working at a fixed rate that will not be affected by potential cuts in central bank (ECB or Fed) interest rates in the coming months.
- Absolute predictability: Sarah knows to the exact euro the amount her company will receive at maturity. This is crucial for building her business plan and cash flow projections.
- Capital protection: Unlike investments in equity markets, capital invested in a fixed-term account is secure.
For Julien, the individual saver, this same 4.76% rate serves to safeguard his contribution for a real estate project planned in two years, guaranteeing growth without the stress of market volatility.
| Financial Product | Current Yield | Liquidity Level | Target Profile |
| Savings account 3.85% | 3.85% (daily interest) | Immediate (1 second) | Individuals / Precautionary Savings |
| cat 4.76% | 4.76% (guaranteed fixed rate) | Blocked (according to contract) | SMEs / Long-term projects |
| Crypto (Staking) | Up to 8% | High (24/7) | Dynamic investors |
Web3 without the Wild West: The era of high-security crypto
Forget the scandals of the past decade. Web3 integration into modern financial applications is no longer a speculative gimmick; it’s a fully-fledged asset class. However, the main obstacle to widespread adoption (B2B and B2C) has always been security.
24/7 access to over 300 assets
Through his app, Julien has 24/7 access to a global crypto market . No more traditional stock exchange closing hours. With over 300 assets available, he can diversify his exposure, from giants like Bitcoin and Ethereum to more specialized altcoins linked to infrastructure or decentralized finance (DeFi) protocols.
But the real disruption lies in the ability to make these assets work for you. Instead of simply passively “holding” his cryptocurrencies, Julien participates in the application’s yield program, allowing him to generate up to 8% return on his digital assets.
MiCAR, CSSF and AFM: The trinity of trust
This is where the journalistic approach requires looking under the hood. How can an SME like Sarah’s, or an individual like Julien, sleep soundly in the face of the inherent volatility of the crypto market? The answer lies in one word: Regulation.
Vivid Money does not operate from some obscure tax haven. The company is subject to the strictest European financial regulations.
- MiCAR (Markets in Crypto-Assets Regulation): This landmark European directive imposes stringent standards on transparency, governance, and consumer protection. It is Europe’s anti-FTX shield.
- Segregation of funds: Julien and Sarah’s money and assets are never mixed with the company’s equity. In the event of the platform’s hypothetical bankruptcy, clients’ assets are protected from creditors.
- Supervision: The vigilance of major financial regulators (such as the CSSF in Luxembourg or the AFM in the Netherlands depending on the infrastructure partners) ensures that every euro invested is traced, audited and protected.
Total democratization: Building your stock portfolio and investing in ETFs
The stock market has long been perceived as a private club reserved for insiders with substantial initial capital. Technological innovation has shattered this barrier to entry.
Fractional investing: The stock market from €0.01
Julien doesn’t need to spend thousands of euros to buy a single share of a tech giant or a luxury brand. Thanks to its integrated stock portfolio , he has access to fractional investing. The mechanism is simple yet revolutionary: the platform buys the entire share and allows its users to acquire fractional shares, starting from just €0.01.
This feature allows for highly targeted diversification. With 50 euros, Julien can invest in 50 different companies, thus drastically reducing his risk.
The index approach
But Julien isn’t a professional trader; he doesn’t have the time to analyze the financial statements of hundreds of multinational corporations. That’s where ETF (Exchange Traded Fund) investments come in. These index funds replicate the performance of entire markets (like the CAC 40, the S&P 500, or global indices). By scheduling recurring ETF purchases , Julien smooths his average cost over the long term (the DCA – Dollar Cost Averaging method) and captures global macroeconomic growth effortlessly and with lower management fees compared to traditional bank mutual funds.
Beyond returns: The AI and B2B ecosystem that is redefining everyday life
While returns and assets are the engine of this Super-App, the surrounding ecosystem is its aerodynamic body. Vivid Money ‘s approach is holistic: it’s not just about making money grow, it’s about optimizing every interaction with it.
Aggressive cashback as an investment lever
Every time Julien uses his card (virtual or physical) for his daily expenses, he gets cash back. Forget outdated loyalty programs with points. This is aggressive cashback: up to 10% on everyday purchases at select retailers, and a spectacular 30% on travel.
The ingenuity of the system? Julien configured the app so that this cashback is automatically reinvested in his stock portfolio or in crypto . His consumer spending passively finances his future capitalism.
Artificial intelligence at the service of professionals: Meet your new employees
For Sarah and her small business, saving time is the ultimate metric. Managing expense reports, invoices, and accounting is an administrative nightmare. The application has integrated AI-powered “Digital Employees”: Anna, Lucas, and Emma.
These virtual agents don’t just classify documents; they understand the context. They extract VAT, categorize expenses, and automatically prepare the accounting export. As a result, Sarah was able to reduce her team’s administrative time by 40%.
The speed of payments and collective management
In the business world, “Cash is King,” but the speed of that cash is the emperor. The application’s B2B solutions enable ultra-fast payment processing: a B2B transfer can be received and cleared in just one second, drastically streamlining “TechFlow” operations.
For Julien, the social aspect of finance takes on its full meaning with “Shared Pockets.” No more complicated bank transfers with his partner to pay the rent or groceries. They share a dedicated sub-account, each with their own linked card, and real-time tracking of household expenses.
Conclusion: The point of no return
The story of Julien and Sarah’s company is not a futuristic projection; it is the financial reality of 2026. By combining the liquidity of a 3.85% savings account , the institutional security of a 4.76% cat , the bold innovation of Crypto under European regulation, and the democratization of an equity portfolio filled with ETFs , the Super-App has made the traditional banking model obsolete.
Vivid Money isn’t just digitizing banking; it’s rewriting it, offering every user the tools of a professional trading floor and a multinational finance department, right in their pocket. The revolution isn’t just underway; it’s already here.
Mega FAQ: Your questions about Vivid Money
How to contact Vivid Money customer service in France?You can contact Vivid Money customer support directly by phone at 09 87 29 01 67 or via the secure messaging system of their application and official website.Does the Vivid Money 3.85% savings account offer immediate liquidity?Yes, absolutely. Unlike many locked savings products, the 3.85% savings account offers complete liquidity. Your money earns interest daily while remaining available in a fraction of a second for any withdrawal or payment.Are Crypto investments on Vivid Money safe?Absolutely. Vivid Money is subject to the strict European MiCAR regulation. The platform guarantees the segregation of your funds, under the rigorous control of European financial authorities such as the CSSF and the AFM.
About / Legal Notice
Company: Vivid Money
tel: 0987290167
website: https://vivid.money/
address 1: 21 Rue Glesener, L-16 2, Luxembourg, Grand Duchy of Luxembourg
Address 2: 124 Rue Réaumur, 75002 Paris
SIREN: 937 945 327
SIRET (headquarters): 937 945 327 00016
LEI number: 98450063CEC896486958
VAT number: FR47937945327