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Moss GmbH · Berlin, DE · Founded 2019
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.
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| Moss Financial | HelloCash | Pleo | B2B Router | |
|---|---|---|---|---|
| AI Act risk | EU AI ACT — Minimal riskself-declared | EU AI ACT — Minimal riskself-declared | EU AI ACT — Minimal riskself-declared | EU AI ACT — Minimal riskself-declared |
| Data residency | EU only✓ verified | EU only✓ verified | EU only✓ verified | EU only✓ verified |
| EUR pricing | Yesself-declared | Yesself-declared | Yesself-declared | Yesself-declared |
| ISO 27001 | Yesself-declared | — | Yesself-declared | Yesself-declared |
| Free tier | — | Yes | — | Yes |
| 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 | EU AI ACT — 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.