Only available in Estonia, coming soon to rest of EU

Put your company

cash to work

Stocks, funds and up to 4.50% interest earned on uninvested cash.

Earn interest




on uninvested cash

Tried and trusted by



Business use cases

For businesses small and large

From saving on fees to paying you interest, we help you make make the most out of your company funds.
Single owner & Director businesses

Freelancers & sole directors

A business account you can open in minutes. Future-proof your companies finances with an investment account that gives access to the world's markets and interest on uninvested cash.

Treasury management for SMEs

Freelancers & sole directors
Tried and trusted

1,000+ companies across Europe use Lightyear

Ready Player Me
Your CFO’s best friend

Tools for your business

Managing your company’s finances has never been easier. Extend your runway, manage foreign exchange exposure and interest-rate risk.
Money market fundsInterest3,500+ Stocks and ETFsLEI registrationAutomatic W-8BEN-E
Money market funds

Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.

Limitations apply, funds may not be available in your country
Our investors

Backed by the best

We’ve raised multiple rounds of finance from leading global investors and business leaders that share our vision for the future of investing.
Sir Richard Branson, Founder of the Virgin Group
“For too long, financial markets have been overly complex with high barriers to entry and confusing jargon. Martin, Mihkel and the Lightyear team are lifting the lid on the world of investing – making it more transparent whilst empowering people through education – to choose the products which are right for them”.
Sir Richard Branson, Founder of the Virgin Group
Nicole Quinn, General Parter at Lightspeed Venture Partners
“Lightyear is building a platform that customers not only love and trust, but one that understands the nuances between different regulations, languages, exchanges and cultural investing norms.”
Nicole Quinn, General Parter at Lightspeed Venture Partners
Taavet Hinrikus, Co-Founder of Wise
“With launching business accounts, Lightyear is eliminating huge pain points of long, bureaucratic onboarding as well as limited and expensive access to the global markets for a huge audience — deepening their impact on investing in Europe.”
Taavet Hinrikus, Co-Founder of Wise
More about what we’re building
Safe & trusted

Keeping your money safe

Trusting us with your investments is something we do not take for granted.
Multi-country regulationGovernment insuranceSafeguarding your assets

Regulated in the UK by the FCA

We’re an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330).

Regulated in the EU by EFSA

We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31) and authorised to operate across the European Union.