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 API contracts indexed 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.

The Holvi catalog on APIs.io includes 1 Spectral governance ruleset.

Holvi’s developer surface includes authentication, documentation, API reference, getting-started guide, changelog, support, engineering blog, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.3/100 developing ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent Heartbeat 37/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Company Banking Fintech Payments Business Banking PSD2 Open Banking SEPA Finland

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Payment Initiation

POST /api/v2/payment-initiation/ POST /api/v2/payment-initiation/{payment_initialization_id}/confirm-vop

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 45.3/100 · developing

Contract Quality 9.5 / 19

Developer Ergonomics 8.8 / 15

Access Clarity 5.7 / 15

Operational Transparency 1.8 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 38.2 — up to +12.4 composite points
Contract Quality scores 50.7 — up to +12.3 composite points
Operational Transparency scores 18.4 — up to +10.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/holvi/apis.yml: open an issue on github.com/api-evangelist/holvi to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 4

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

Holvi Account Information API

AISP endpoints - read Holvi customer payment accounts and payments.

Holvi Consent API

PSU authentication and consent token exchange.

Holvi Payment Initiation API

PISP endpoints - initiate and confirm SEPA / SEPA Instant / SWIFT payments.

Holvi Third Party Provider API

TPP certificate lifecycle.

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Holvi PSD2 Account Information API

OPEN COLLECTION

Holvi PSD2 Account Information Consent API

OPEN COLLECTION

Holvi PSD2 Account Information Payment Initiation API

OPEN COLLECTION

Holvi PSD2 Account Information Third Party Provider API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Initiate a Holvi SEPA payment (PISP)

AGENT SKILL

Read Holvi account information (AISP)

AGENT SKILL

Verify payee then pay (VOP)

AGENT SKILL

Holvi API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Holvi Plans Pricing

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Holvi Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Holvi API Rules

59 rules · 57 errors 1 warnings 1 info

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Holvi Authentication

apiKey/http · 4 schemes

SECURITY

Holvi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Holvi Agentic Access

9 operations · 4 acting

AGENTIC

Resources

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

AgenticAccess

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

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 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: holvi
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  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: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
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:
- url: https://blog.holvi.com/rss.xml
  type: BlogRSS
- type: Plans
  url: plans/holvi-plans-pricing.yml
- type: CapabilityMap
  url: capabilities/holvi-capability-edges.yml
  name: Holvi Business Capability Map
- 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/_original/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: X-MCPServerCandidate
  url: mcp/holvi-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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 API — frequently asked questions

Does Holvi have an API?

Yes. APIs.io lists 4 APIs from Holvi, including Holvi Account Information API, Holvi Consent API and Holvi Payment Initiation API, and 1 more.

Is there an OpenAPI specification for the Holvi API?

Yes. APIs.io indexes 4 OpenAPI specifications for Holvi, each linked for download from this page.

How do I authenticate with the Holvi API?

Holvi uses bearer-token authentication (apiKey/http · 4 schemes). The details are profiled on APIs.io as Holvi Authentication.

Is the Holvi API ready for AI agents?

Holvi has a Kin Score of 45.3 out of 100 (developing) and an Agent Readiness score of 23.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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