Oliver Hildebrandt and Siduri Poli in Breakit on the 0TO9 model to build fintechs
Breakit speaks to Oliver Hildebrandt and Siduri Poli about 0TO9, a platform where entrepreneurs build fintech companies with capital, technology and a licence.
Oliver Hildebrandt
Founder, 0TO9
0TO9 — Building the next generation of European financial services.

In practical terms, we step in as co-builders and are very hands-on together with the entrepreneurs. We take them from the idea stage to realisation and beyond.
– Siduri Poli, CMO and partner at 0TO9, interviewed by Breakit
Breakit, the Swedish startup and technology publication, interviews Oliver Hildebrandt and Siduri Poli about the launch of 0TO9. In the article, which is in Swedish, the two describe a platform for entrepreneurs who want to build financial services companies, with 0TO9 working alongside them as a co-builder.
Breakit presents Hildebrandt as a co-founder of the lending platform Gilion and an angel investor. It introduces Poli as a co-founder of the entrepreneur platform Changers Hub who later joined the investor network Nordic Angels, and who has now become a partner and the chief marketing officer of 0TO9.
What 0TO9 offers entrepreneurs
Hildebrandt and Poli describe 0TO9 as a platform with the infrastructure a fintech founder needs: capital, technology, help with brand building and the ability to offer financial services quickly, because 0TO9 is already a licensed credit market company (kreditmarknadsbolag).
Hildebrandt says the model lets entrepreneurs go from idea to a company with the necessary permits, and offer financial services within months instead of years. He points to his earlier company Plus1, which he says took nine years to obtain authorisation as a credit market company, and argues that holding a licence makes it easier for fintech companies to raise funding and scale across Europe.
Co-building in practice
Asked how this works day to day, Poli says: "In practical terms, we step in as co-builders and are very hands-on together with the entrepreneurs. We take them from the idea stage to realisation and beyond."
The people involved
Breakit lists several others in the venture. Tord Topsholm is chief executive, and is also chief executive of Plus1 and a former chief executive of Northmill Bank. Henrik Landgren, Hildebrandt's partner at Gilion, has joined the board. Jessica Holzbach, who founded the German companies Pile and Penta among others, is a partner and will lead the German business. Hildebrandt adds that 0TO9 has further partners with broad experience from fintech, entrepreneurship and investing, in Sweden and internationally.
Read the full piece
The interview, in Swedish, is available on Breakit.
This summary was generated by AI and edited by 0TO9
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