Build What’s Next
We fund, found and run financial businesses across Europe, bringing together the people, capital, and technology to turn untapped opportunities into a thousand new European companies.
Together, we’re the Bank of Entrepreneurship.
Meet our Company Builders
We share a vision to help anyone, anywhere, realise their dreams, whatever their next step and wherever they’re starting from.
Growth in Numbers
As of Q2 2026, unless stated otherwise.
0TO9 AB (publ) is a credit institution supervised by Finansinspektionen, the Swedish Financial Supervisory Authority.
A builder’s mindset. Applied to finance.
Oliver Hildebrandt
Founder 0TO9
Financial innovation shapes our lives. That’s why I love fintech, and why my vision is to help anyone, anywhere, realise their dreams, whatever their starting point or ambition.
After five companies and 17 years in fintech, I’ve learned how much it takes to turn an idea into a business. The right people make all the difference, especially when they have the capital, technology, and experience to move forward together.
I started 0TO9 to bring those things together. We build alongside our teams, share responsibility, and stay involved in the decisions that make a business work. That’s how we make our vision real, one company and one customer at a time.
Because everybody is a nobody without a team, but with a great team of devoted people, we can build, or rebuild, anything.
Built by Europe. For Europe.
Financial needs differ from market to market. We bring local understanding together with shared experience, capital, and technology, building businesses around the opportunities we see across all markets. Together we contribute to a stronger and more competitive Europe.
• 7 countries
• 4 offices
News
The Next Report
A perspective on building in finance by 0TO9
People, businesses and ideas moving finance forward.