# Vivid

**Canonical:** https://apis.io/providers/vivid/  
**Website:** https://vivid.money  
**APIs profiled:** 0

Vivid Money is a European fintech company operating a mobile-first financial super-app for individuals and businesses across the EU. Through its regulated entities Vivid Money S.A. (payments/e-money) and Vivid Money B.V. (investments), it offers business and personal accounts, physical and virtual cards, SEPA and card payments, cashback rewards, savings/interest pockets, stock and ETF investing, and crypto services. For businesses it adds expense management, sub-accounts, and open-banking connectivity to accounting tools such as DATEV, sevDesk, Lexware Office, FastBill, and Agicap. Vivid is backed by SoftBank Vision Fund. As of this profile Vivid does not publish a public developer API, developer portal, or SDKs; its 'open banking' is consumer-consent connectivity to third-party financial apps rather than an outbound public API surface.

## Kin Score — 8.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Vivid Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Banking, Neobank, Payments, Open Banking, Investments, Europe

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/vivid/). Scores are computed from the provider's own public artifacts under a published rubric.