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

47.5/100 developing ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

4 APIs 1 MCP Servers

Company Banking Fintech Payments Business Banking PSD2 Open Banking SEPA Finland

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 47.5/100 · developing

Contract Quality 12.3 / 21

Developer Ergonomics 10.0 / 17

Access Clarity 6.5 / 17

Operational Transparency 2.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.9 / 9

Regulatory Posture 5.5 / 15

Agent readiness — 31/100 · 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

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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: '0.23'
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/_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: 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

Open Collections 5

API Collection

Holvi PSD2 Account Information API

Holvi PSD2 Account Information Consent API

Holvi PSD2 Account Information Payment Initiation API

Holvi PSD2 Account Information Third Party Provider API

MCP Servers 1

Holvi MCP Server

Security Posture 2

Holvi Authentication

Holvi Domain Security

Agentic Access 1

Holvi Agentic Access

Resources