Vivid And lemon.markets Partner To Expand Multi-Asset Investing Across Europe
Vivid, one of Europe’s quickest-growing financial platforms for small and mid-sized enterprises (SMEs) and freelancers, has partnered with lemon.markets, an API-based brokerage and custody platform, to expand its investment offerings. The collaboration allows Vivid’s customers to access a broader range of investment products — begining with money market funds (MMFs) and mutual funds — through a single, scalable integration.
Built on lemon.markets’ API-driven infrastructure, the partnership creates a foundation for multi-asset investing that can rapidly add new categories such as platform-traded products (ETPs) and equities. It positions Vivid to deliver a unified investing experience for both retail and business customers across Europe.
Takeaway
Expanding Investment Access For SMEs And Retail Clients
Through the integration, Vivid users can now access a wider array of investment opportunities directly within the identical app they use for payments, treasury management, and savings. This simplifies portfolio diversification while assisting SMEs and freelancers make idle capital more productive.
“For SMEs, the identical platform that handles their payments and treasury also enables investing,” said Esmond Berkhout, CEO of Vivid Money B.V. “Partnering with lemon.markets brings us closer to our mission — assisting businesses make their money work harder and build financial resilience.”
For retail investors, the partnership adds convenience by merging mutual funds, ETPs, and equities into one digital experience. As new asset classes are added, Vivid can integrate them rapidly without rebuilding systems, creating a future-proof framework for long-term product growth.
Takeaway
Scaling Across Europe With Lemon.markets’ Omnibus Setup
The partnership marks the first live implementation of lemon.markets’ omnibus account setup, a major milestone in scaling its brokerage and custody platform across Europe. This model aggregates end-client holdings in a single master account, reducing operational overhead while simplifying reconciliation, custody, and compliance for partners like Vivid.
According to Max Linden, Founder and CEO of lemon.markets, the integration showcases the scalability of its platform:
“Vivid is the ideal partner on our omnibus setup, demonstrating our capacity to operate at scale across Europe from day one. With one integration, Vivid can bring multiple asset classes to customers and expand quicker across markets.”
The architecture supports both B2B and B2C use cases, meaning banks, fintechs, and asset managers can onboard new asset classes or customer segments with minimal development time — accelerating Europe-wide expansion.
Takeaway
European Fintech Collaboration Gains Momentum
The Vivid–lemon.markets partnership is also the first announced collaboration since dwpbank’s acquisition of lemon.markets, reaffirming the platform’s independence and growth strategy. Backed by dwpbank’s €2.2 trillion in assets under custody, lemon.markets brings institutional-grade infrastructure to fintech innovators, while partners like Vivid deliver customer-facing agility.
This collaboration reflects a broader trend in European fintech consolidation, where embedded finance and brokerage-as-a-service models are enabling quicker, regulated access to capital markets. By combining treasury, payments, and investing under one digital umbrella, Vivid is positioning itself as a one-stop financial platform for Europe’s SMEs and freelancers.
Takeaway
What’s Next?
With the partnership live, Vivid plans to expand its investment product suite beyond MMFs and mutual funds into ETPs, equities, and potentially alternative assets. For lemon.markets, the collaboration reinforces its role as the infrastructure backbone for Europe’s new generation of fintechs.
As cross-border investing and regulatory harmonization progress, the two companies are positioned to capitalize on Europe’s shift toward integrated, multi-asset investing — where technology and scale drive access, not geography.
