Fintech Venture Builder 0TO9 Emerges Out of Stealth to Build 1,000 Profitable European Fintechs by 2045

0TO9, a Stockholm-based pan-European fintech venture builder, led by Oliver Hildebrandt, Tord Topsholm, Jessica Holzbach, Siduri Poli, and Henrik Landgren(Member of the Board), has emerged out of stealth mode with the ambition to start and scale 1,000 profitable fintechs by 2045.

0TO9 aims to make Europe the leading hub for fintech by removing barriers such as regulation, capital, and licensing delays. The platform provides end-to-end legal, compliance, talent, technical, and funding infrastructure, enabling licensed financial companies to launch and scale in months instead of years.

0TO9 was founded by Hildebrandt after his Plus 1 journey revealed how regulation, high capital needs, and investor pressure strain early fintechs. The platform gives startups capital runway, deposit funding, compliance and legal support, brand and tech infrastructure, and go-to-market guidance to scale in Europe.

0TO9 exits stealth with a portfolio of strong businesses, including Fuels Capital and NordKronan (both profitable within six months), alongside new launches Flow & Partners (SME loans) and HUGO (AI-powered savings assistant).