NIKKI makes money human again
We're building the standard for financial health.
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The current system
The problem
Every month, millions of Dutch people fight not only with their debt, but especially with the system itself. A system that profits from desperation and punishes people who want to participate.
The Netherlands is financially ill...
Households, sports clubs, companies and countless other organizations struggle with money flows they cannot control. Administrations are fragmented. Collections are often cold and hostile, with impersonal letters and excessive fees. Debt collection breaks relationships instead of repairing them.
The current system was built to collect, not to strengthen. To extract value from society instead of giving it back. And in the end, we all pay the price. In higher costs, lost trust, and a society that grows weaker by the day.
We refuse to take part in a world where profit comes at the expense of people. Instead, we believe in a system where money is human, powerful and transformative. A system where everyone helps each other move forward.
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The current chain
The financial chain is broken.
Three worlds. Three interests. One outcome: chaos.
Three worlds that are supposed to reinforce each other work against each other in practice. The economy is built on debt, not health.
What remains is a cluster of conflicting interests. A system that takes money and energy instead of feeding it. A system where no one wins.
The financial chain was built by people who wanted to maintain power, not share value. But maybe she's not necessarily broken, just misconnected.
Imagine that money would flow back to the way it was meant to be: honestly, transparently, and back to the source.
1. Clubs and companies
Drown in disconnected systems. Spreadsheets, inboxes, scattered tools that do not speak to each other. Invoices get lost. Membership fees are forgotten. No one has a clear view. Chaos rules.
2. Traditional collection agencies
Use fear as strategy and cost as weapon. Reminders turn into threats. Relationships are sacrificed for short term cash. The dominant image of debt did not come from society itself, but from an industry that profited from despair and made fear the norm. The result? Distrust, shame and even deeper debt.
3. Banks and payment platforms
Play a central role in the flow of money. They decide who gets what, when and under which conditions. Money moves, yet no one truly knows where it goes.
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Our alternative
Our alternative
We bring the three worlds together. One platform in which administration, collection and cash flows reinforce each other instead of working against each other. Transparent, honest and sustainable.
Our goal is simple but radical: Everyone — consumer, club, company and partner — is leaving NIKKI stronger than when they went in.
Where the traditional chain costs people money, NIKKI lets money flow back. We are building a parallel economy where money does not disappear, but circulates. Value returns to the people and organizations that deserve it.
In this economy, it is not the debt that is central, but the solution.
NIKKI is not a company, but a movement. A movement that makes financial health the standard.
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The Nikki Economy
Imagine this
An economy where every payment generates value.
Not only for those who collect, but for everyone who participates.
- Clubs get their contributions faster, without losing members.
- Companies receive their invoices on time, without pressuring customers.
- Consumers are improving financially through healthy financial behavior. - - -- Partners grow with us by offering value to the entire ecosystem.
That is the logic of the NIKKI-Economy: everyone who adds value shares in the resulting growth.
In the traditional chain, money disappears in a black box. It loses its meaning along the way. In the NIKKIE-Economy, money keeps moving, returning to the people, organizations, and communities that contribute to it.
We believe in joint growth. That's why we're willing to share our profits with everyone who helps make the system healthier. Financially and socially.
When NIKKI grows, everyone grows with it. Because real progress does not come from taking, but by giving each other structurally.
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The movement
The five phases of the movement
Fase 1: Sport: zo legden we de basis.(2020–2025)
We begonnen in de sport. Niet omdat het de grootste markt is, maar omdat sport de spiegel van de samenleving is. Hier bewezen we dat sociaal incasseren werkt: clubs bleven overeind, leden konden blijven sporten, en geldstromen werden gezonder. We leerden wat mogelijk is wanneer geld weer menselijk wordt.
Fase 2: Hoe we incasso overbodig maken. (2026–2027)
Met NIKKI-Business brengen we onze principes naar het bedrijfsleven. We maken de traditionele manier van incasso overbodig door de perverse prikkel van verdienen aan wanbetaling te vervangen door verdienen aan de preventie ervan. Onze omzet stijgt wanneer het aantal incassodossiers daalt, in plaats van andersom.
Fase 3: Zo ontstaat een netwerk dat zichzelf voedt. (2027–2028)
We bouwen een netwerk van organisaties die actief bijdragen aan financiële gezondheid.
Via NIKKI verbinden we hun producten en diensten met ons ecosysteem, zodat hun waarde direct bij bedrijven en consumenten terechtkomt. Iedere samenwerking versterkt de volgende. Het systeem begint zichzelf te dragen.
Als jouw verdienmodel beter draait naarmate mensen dieper in de problemen komen, ben je geen dienstverlener. Dan ben je onderdeel van het probleem.
Daan Dijkstra - CEO NIKKI
Fase 4: Consumenten en dan
de mens zelf (2029–2030)
de mens zelf (2029–2030)
We keren de economie om: mensen worden niet langer beoordeeld op schulden, maar beloond voor verantwoordelijkheid. Consumenten worden actieve deelnemers in plaats van toeschouwers. Wie financieel gezond gedrag vertoont, profiteert van de waarde die daardoor ontstaat. Zo maken we financiële gezondheid niet alleen bereikbaar, maar ook belonend. Voor het eerst wint niet het systeem, maar de mens.
Fase 5: De NIKKI-Economie: De laatste stap. De nieuwe orde. (2030+)
Wanneer alles verbonden is, zetten we onze definitieve stap: alle transacties binnen één ecosysteem waarin waarde meetbaar terugvloeit naar de samenleving.
Waarde stroomt terug naar de samenleving, groei vermenigvuldigt zich, en financiële gezondheid wordt onomkeerbaar verankerd in Nederland. De oude economie wordt versterkt door een geheel wat elkaar laat groeien.
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The vision
What changes when we succeed
If NIKKI wins, everyone wins.
Consumers have more money left over and get a grip on their lives. Stress makes way for freedom. Each payment becomes a step towards stability rather than a source of concern.
Clubs and companies build lasting relationships. They do not grow by collecting harder, but by connecting more strongly. Cash flow becomes predictable, administration is organized, and trust is a competitive advantage.
Partners get access to a self-reinforcing ecosystem. No more separate transactions, but a community that is loyal because everyone shares. Distribution is becoming scalable, cooperation is becoming a matter of course.
Society as a whole wins. Debt is falling. Healthcare costs are declining. Productivity is rising. People are getting more purchasing power, more resilience and more trust.
The promise
We are making the Netherlands, and then Europe and the world, financially healthy through a new economy. An economy where financial health comes as naturally as tap water. We are not building a company. We build the movement that makes the difference.
The old economy is still running, but its clock is ticking.
The new one is already in motion.
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NIKKI team
The people behind NIKKI
Meet the team that's changing the sports market,
involved, driven and always on the move.
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History
From idea to impact
Read how NIKKI started and how we broke the sports world
change little by little.
The story of how we got started on Webflow
Relume was started by two guys with the same mission.
Our story starts 8 years ago... Strap in.
