Stockholm- and Berlin-based venture builder aims to make Europe the global fintech hub with regulatory and capital support for founders.
0TO9, a pan-European fintech venture builder and investor, has emerged from stealth with plans to start and scale 1,000 profitable fintech companies by 2045. Founded in Stockholm and operating from Berlin, Finland, and Norway, the company provides entrepreneurs with end-to-end infrastructure for building regulated financial services.
The firm was founded by serial entrepreneur Oliver Hildebrandt, who previously created the AI-powered financing platform Gilion and consumer credit platform Plus 1. Hildebrandt has assembled an executive team that includes CEO Tord Topsholm, a veteran of four bank chief executive roles; Jessica Holzbach, CEO Germany and a two-time exited founder; and Siduri Poli, CMO and co-founder of Changers Hub. Henrik Landgren, former VP Analytics at Spotify and EQT Ventures partner, sits on the board.
0TO9’s model addresses a key challenge for European fintech startups: high failure rates due to regulatory and compliance hurdles. The company offers capital runway, deposit funding, legal and compliance services, technical infrastructure, and go-to-market support, enabling fintechs to reach profitability faster.
The firm already has a portfolio of early ventures, including Fuels Capital, NordKronan, Flow & Partners, and HUGO. Fuels Capital and NordKronan reached profitability within six months, while Flow & Partners and HUGO are launching today.
Hildebrandt said: “The prolonged process of starting and scaling fintechs is killing innovation. Building Plus 1 took me a decade; with 0TO9, it would have taken me some years. Our entrepreneurs are never alone, as we help them make their dreams become reality.”
Jessica Holzbach added: “Regulation isn’t the enemy; it protects consumers and maintains market integrity. By centralising and assisting with this work for our portfolio founders, we let them focus on building to create a financial system that constantly improves, works for everyone and is built to last.”