Question 1

What is 0to9?

Accepted Answer

0to9 is a Swedish fintech bank and venture builder based in Stockholm, founded by serial entrepreneur Oliver Hildebrandt. Operating as a licensed credit institution, 0to9 positions itself as a "bank for entrepreneurship," bringing together capital, expertise, and infrastructure to support fintech founders. The bank received authorization from Finansinspektionen (Swedish Financial Supervisory Authority) on June 16, 2022, making it one of Sweden's newer banking entrants focused on the fintech ecosystem.

Question 2

When was 0to9 founded?

Accepted Answer

0to9 was established in 2022, receiving its banking license from Finansinspektionen on June 16, 2022. The bank emerged during Sweden's continued fintech innovation wave, positioning itself uniquely as both a banking institution and a venture builder. The bank operates from Stockholm, Sweden's fintech capital, which has produced successful companies like Klarna and Tink.

Question 3

Where is 0to9 headquartered?

Accepted Answer

0to9 is headquartered in Stockholm, Sweden, with offices located in the heart of the city. The bank also maintains presence in Berlin, Germany, reflecting its international ambitions within European fintech markets.

Question 4

Where does 0to9 operate?

Accepted Answer

0to9 operates primarily in Sweden, with its main focus on Stockholm and surrounding regions. The bank has established operations in Berlin to support its pan-European fintech venture activities. As a Swedish credit institution, 0to9 benefits from Sweden's highly digitized financial ecosystem, including widespread adoption of instant payment systems like Swish and strong open banking infrastructure.

Question 5

What services does 0to9 offer?

Accepted Answer

0to9 provides core banking services built on modern cloud infrastructure using AWS, Mambu, and Backbase platforms. The bank offers lending products, payment services, and account management solutions. Beyond traditional banking, 0to9 operates as a venture builder, providing fintech founders with banking infrastructure, capital investment, technical resources, and operational support. The bank's technology stack includes C#/.NET Core microservices architecture and emphasizes API-first design for seamless integrations.

Question 6

What makes 0to9 unique?

Accepted Answer

0to9's distinctive model combines licensed banking operations with venture building and investment activities, creating an integrated ecosystem for fintech innovation. The bank provides stable salaries and equity packages to co-founders joining ventures through its platform, along with proven fintech infrastructure and coaching. Operating in Sweden's advanced digital payments environment—where cash transactions represent less than 10% of payments and 75% of the population uses Swish—0to9 leverages one of Europe's most fintech-friendly markets. The bank's cloud-native architecture enables rapid innovation and scalability for partner ventures.

Question 7

What type of financial institution is 0to9?

Accepted Answer

0to9 is a kreditinstitut (credit institution) under Swedish banking regulations. This classification, governed by Finansinspektionen and the Swedish Banking and Financing Business Act, allows the bank to conduct banking operations excluding deposit-taking in some cases, though full-scope credit institutions may accept deposits. Swedish credit institutions benefit from EU passporting rights, enabling cross-border services throughout the European Economic Area. 0to9's hybrid model as both a regulated bank and venture builder represents an innovative institutional form within Sweden's progressive fintech regulatory framework.

0to9

in Sweden 🇸🇪

Crypto-Friendliness

All done!

About 0to9 in Sweden