Tech.eu covers 0TO9's launch and its goal of 1,000 fintechs by 2045

Tech.eu reports 0TO9's launch from stealth, including its goal of building 1,000 profitable fintechs by 2045 and four ventures already in market.

0TO9 — Building the next generation of European financial services.

It took me a decade in one of my companies to secure a license. At 0TO9, founders get it on day one.

– Oliver Hildebrandt, Founder of 0TO9, quoted in Tech.eu, September 2025

On 3 September 2025, Tech.eu reports the public launch of 0TO9, a venture builder and investor based in Stockholm that had until then worked in stealth. The article, by senior reporter Cate Lawrence, draws on interviews with 0TO9 founder Oliver Hildebrandt and Jessica Holzbach, Partner and CEO Germany.
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A target of 1,000 fintechs by 2045

Tech.eu sets out 0TO9’s stated goal of building 1,000 profitable fintechs by 2045. Hildebrandt answers by pointing to how often European fintechs fail. He says more than 20,000 fintechs were created in Europe over the past ten years, that only 10 per cent survived after five years and that just 1 per cent were still operating after ten. A better platform can raise survival rates.

Holzbach says the target does not depend on a steady pace. In her words, “we don’t have to build 1,000 companies all at once”, and growth should accelerate as hubs in different countries produce more companies.
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Licences from the start

The article presents licensing as the main difference between 0TO9 and incubators, accelerators and other venture builders. Hildebrandt says: “It took me a decade in one of my companies to secure a license. At 0TO9, founders get it on day one. That’s something you won’t find in incubators or accelerators.”

Tech.eu links this to his experience building the consumer credit platform Plus 1, and quotes him saying he had taken five fintech companies through licensing, regulation and funding before. It reports that 0TO9 operates under European financial services licences, which lets portfolio companies launch regulated financial products immediately.
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What founders receive

Early-stage fintechs working with 0TO9 receive a capital runway until they are profitable, access to deposit funding, compliance and legal support, brand development, technology infrastructure and go-to-market advice. Holzbach contrasts this with advisory programmes: “Unlike many programs where consultants give advice, we roll up our sleeves and execute alongside them.”

You can read the full piece by Cate Lawrence on Tech.eu.

This summary was generated by AI and edited by 0TO9