Holvi

Holvi is a Finnish digital business-banking service for freelancers, founders and small businesses, founded in Helsinki in 2011 and operating as a regulated Authorised Payment Institution supervised by the Finnish Financial Supervisory Authority. It combines a business account with its own IBAN, a Holvi Business Mastercard, invoicing, expense tracking, VAT calculation and bookkeeping preparation in one dashboard, serving more than 150,000 businesses across Europe with a focus on Finland, Germany and Austria. For developers, Holvi publishes a PSD2 API v2.0 for licensed Third Party Providers, exposing account information (AISP) and payment initiation (PISP, SEPA / SEPA Instant / SWIFT) with Strong Customer Authentication and optional Verification of Payee.

Holvi publishes 4 APIs on the APIs.io network, including Account Information API, Consent API, Payment Initiation API, and 1 more. Tagged areas include Company, Banking, Fintech, Payments, and Business Banking.

Holvi’s developer surface includes authentication, documentation, API reference, getting-started guide, changelog, support, engineering blog, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

50.8/100 developing ▬ flat Agent 69/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

4 APIs 1 MCP Servers

CompanyBankingFintechPaymentsBusiness BankingPSD2Open BankingSEPAFinland

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 50.8/100 · developing

Contract Quality 15.1 / 25

Developer Ergonomics 13.5 / 20

Commercial Clarity 8.9 / 20

Operational Transparency 2.7 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 69/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 15 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/holvi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Documentation 3

Reference material describing how the API behaves

OpenAPI

OpenAPI

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

MCPServer

AgentSkill

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: holvi
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/holvi.png
name: Holvi
description: Holvi is a Finnish digital business-banking service for freelancers, founders and small businesses, founded in
  Helsinki in 2011 and operating as a regulated Authorised Payment Institution supervised by the Finnish Financial Supervisory
  Authority. It combines a business account with its own IBAN, a Holvi Business Mastercard, invoicing, expense tracking, VAT
  calculation and bookkeeping preparation in one dashboard, serving more than 150,000 businesses across Europe with a focus
  on Finland, Germany and Austria. For developers, Holvi publishes a PSD2 API v2.0 for licensed Third Party Providers, exposing
  account information (AISP) and payment initiation (PISP, SEPA / SEPA Instant / SWIFT) with Strong Customer Authentication
  and optional Verification of Payee.
url: https://raw.githubusercontent.com/api-evangelist/holvi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
- speedinvest
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Banking
- Fintech
- Payments
- Business Banking
- PSD2
- Open Banking
- SEPA
- Finland
apis:
- aid: holvi:holvi-account-information-api
  name: Holvi Account Information API
  description: AISP endpoints - read Holvi customer payment accounts and payments.
  humanURL: https://holvi.github.io/psd2-api/
  baseURL: https://api.psd2.holvi.com
  tags:
  - Account Information
  properties:
  - type: OpenAPI
    url: openapi/holvi-account-information-api-openapi.yml
  - type: Documentation
    url: https://holvi.github.io/psd2-api/
  - type: Authentication
    url: authentication/holvi-authentication.yml
- aid: holvi:holvi-consent-api
  name: Holvi Consent API
  description: PSU authentication and consent token exchange.
  humanURL: https://holvi.github.io/psd2-api/
  baseURL: https://api.psd2.holvi.com
  tags:
  - Consent
  properties:
  - type: OpenAPI
    url: openapi/holvi-consent-api-openapi.yml
  - type: Documentation
    url: https://holvi.github.io/psd2-api/
  - type: Authentication
    url: authentication/holvi-authentication.yml
- aid: holvi:holvi-payment-initiation-api
  name: Holvi Payment Initiation API
  description: PISP endpoints - initiate and confirm SEPA / SEPA Instant / SWIFT payments.
  humanURL: https://holvi.github.io/psd2-api/
  baseURL: https://api.psd2.holvi.com
  tags:
  - Payment Initiation
  properties:
  - type: OpenAPI
    url: openapi/holvi-payment-initiation-api-openapi.yml
  - type: Documentation
    url: https://holvi.github.io/psd2-api/
  - type: Authentication
    url: authentication/holvi-authentication.yml
- aid: holvi:holvi-third-party-provider-api
  name: Holvi Third Party Provider API
  description: TPP certificate lifecycle.
  humanURL: https://holvi.github.io/psd2-api/
  baseURL: https://api.psd2.holvi.com
  tags:
  - Third Party Provider
  properties:
  - type: OpenAPI
    url: openapi/holvi-third-party-provider-api-openapi.yml
  - type: Documentation
    url: https://holvi.github.io/psd2-api/
  - type: Authentication
    url: authentication/holvi-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/holvi-agentic-access.yml
- type: Authentication
  url: authentication/holvi-authentication.yml
- type: DomainSecurity
  url: security/holvi-domain-security.yml
- type: OpenAPI
  url: openapi/holvi-psd2-openapi.yml
- type: Conventions
  url: conventions/holvi-conventions.yml
- type: ErrorCatalog
  url: errors/holvi-problem-types.yml
- type: Lifecycle
  url: lifecycle/holvi-lifecycle.yml
- type: Conformance
  url: conformance/holvi-conformance.yml
- type: WellKnown
  url: well-known/holvi-well-known.yml
- type: MCPServer
  url: mcp/holvi-mcp.yml
- type: DataModel
  url: data-model/holvi-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/holvi-llms.txt
- type: Website
  url: https://www.holvi.com/
- type: DeveloperPortal
  url: https://holvi-developer.zendesk.com/hc/en-gb
- type: Documentation
  url: https://holvi.github.io/psd2-api/
- type: APIReference
  url: https://holvi.github.io/psd2-api/
- type: GettingStarted
  url: https://holvi.github.io/psd2-api/initial_steps/index.html
- type: ChangeLog
  url: https://holvi.github.io/psd2-api/changelog.html
- type: Support
  url: https://support.holvi.com/hc/en-gb
- type: Blog
  url: https://blog.holvi.com/
- type: GitHubOrganization
  url: https://github.com/holvi
- type: Pricing
  url: https://www.holvi.com/pricing/
- type: SignUp
  url: https://login.app.holvi.com/register
- type: Login
  url: https://login.app.holvi.com/
- type: TermsOfService
  url: https://support.holvi.com/hc/en-gb/articles/33569262656402-Terms-of-Service
- type: PrivacyPolicy
  url: https://support.holvi.com/hc/en-gb/articles/29831985498258-Privacy-Notice
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Holvi

Kin Score

APIs 4

Holvi Account Information API

Holvi Consent API

Holvi Payment Initiation API

Holvi Third Party Provider API

MCP Servers 1

holvi-mcp.yml

Security Posture 2

Holvi Authentication

Holvi Domain Security

Agentic Access 1

Holvi Agentic Access

Resources