EU-origin
Moss Financial
Moss GmbH · Berlin, DE · Founded 2019
Minimal riskEU dataISO 27001EUR pricingAPI
Berlin-based spend management for European SMEs. Employee Visa cards with per-card limits, merchant locks, and real-time feeds into DATEV, Lexware, or SAP. Raised €75M in 2022; BaFin-regulated. If your controller is still chasing paper receipts from sales three weeks after the trip, that's the friction Moss eliminates.
Company background
Legal entity
Moss GmbH
HQ
Berlin, DE
Founded
2019
Employees
51-200
Funding stage
series-b-plus
Associations
Cherry Ventures; Global Founders Capital; Valar Ventures
Website
Data & privacy
Data residency
EU only✓ Prudos-verified
EU data confirmed
Yes✓ Prudos-verified
Sub-processor list
EU representative
Not confirmed
Certifications
ISO 27001
Yesself-declared
SOC 2
Yes
Other
ISO 27001, SOC 2
AI Act posture
Risk classification
Minimal riskself-declared
Article 50 posture
not-applicableself-declared
GPAI dependency
Own models
Classification note
Corporate card and spend management; no consequential AI decisions
EU AI Act Readiness Badge
—
Product & market
Pricing model
per-seat, custom
Pricing page
Free tier
No
EUR pricing
Yesself-declared
API
Available
API documentation
Languages
en, de
Markets with customers
DE, UK, NLself-declared
EU-vs-EU · alternatives in this category
| Moss Financial | Pleo | DataSnipper | Agicap | |
|---|---|---|---|---|
| AI Act risk | Minimal riskself-declared | Minimal riskself-declared | Minimal riskself-declared | Minimal riskself-declared |
| Data residency | EU only✓ verified | EU only✓ verified | EU + US fallbackself-declared | EU only✓ verified |
| EUR pricing | Yesself-declared | Yesself-declared | Yesself-declared | Yesself-declared |
| ISO 27001 | Yesself-declared | Yesself-declared | Yesself-declared | Yesself-declared |
| Free tier | — | — | — | — |
EU-vs-US · international context
| Moss Financial | Brex | Coupa | |
|---|---|---|---|
| Incorporated | DE | United States | United States |
| Data residency | EU only✓ verified | US-primary | US-primary, EU option available |
| AI Act posture | Minimal riskself-declared | Not classified | Not classified |
| EUR pricing | Yesself-declared | USD-only | USD-primary |
| Schrems-II risk | Minimal — EU only (confirmed) | Data flows to US — risk applies | Data flows to US — risk applies |
EU-origin data from Prudos listings. US tool characteristics reflect publicly available information and are indicative.