# Holvi

**Canonical:** https://apis.io/providers/holvi/  
**Website:** https://www.holvi.com/  
**APIs profiled:** 4

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.

## Kin Score — 47.5 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 47.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 57.9 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 38.2 |
| Access Clarity | 38.2 |

Regulatory layer — **Banking & Open Finance**: 36.7 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **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.

## MCP servers (1)

- **Holvi MCP Server**

## Agentic access (1)

- **Holvi Agentic Access** — 9 operations · 4 acting

## Security (2)

- **Holvi Authentication** — apiKey/http · 4 schemes
- **Holvi Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Banking, Fintech, Payments, Business Banking, PSD2, Open Banking, SEPA, Finland

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/holvi/). Scores are computed from the provider's own public artifacts under a published rubric.