Build what's next
We are a fintech venture builder and investor – a bank for entrepreneurship. Built by, and for company builders. We provide infrastructure for fintech entrepreneurs ready to start and scale the next generation of financial products and platforms. Our name reflects our mission: From zero to success. From idea to impact. From now – to what’s next.
Welcome to 0TO9.
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Build with experience
Team up with builders who’ve launched and scaled financial products before. We’ve done this – and we’re here to do it together with you.
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Build with confidence
Access capital, licenses, infrastructure, and a proven playbook – all designed to remove friction and accelerate your path to profitability.
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Build what matters
Focus your time and energy where it counts. We take care of the rest – so you can create the product, platform, or company you set out to build.
Company of builders
Feeling lonely? We build a dream team for your venture, with experienced entrepreneurs and skilled specialists.
Capital to scale
Short on cash? We invest in your company and give you access to deposit funds.
Compliance in place
Regulations and compliance? We have people who love that.
Comms and brand
Your time to shine? We turn your idea into an attractive brand, ready to hit the market.
Where legacy meets builders
With the right team we can build anything
Financial innovation shapes our lives. That’s why I love fintech. And behind every big leap, from how we save and pay, to how we build and grow, there’s always a big idea, backed by a great team.
After five companies and 17 years in fintech, I’ve learned a lot, from teammates, competitors, tough mentors and tougher setbacks, surprising wins, and the long road in between. All those lessons brought me to where I am today. And some of them slowed me down.
Building in finance is harder than it should be. The system is too slow and too complex – forcing many of the best ideas, and the best people, to go elsewhere.
I started 0TO9 to put all my experiences to good work. Because everybody is a nobody without a team – but with a great team of devoted people, we can build, or rebuild, anything.
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The experience
Where you’ve been matters. Every founder carries a story - and we want to understand yours. What gets you going, what makes you laugh mid-sentence. What drives you, what shaped you, and what’s brought you to this moment.
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The idea
With us, you don’t need to reinvent the world. We're different in that way. But we are curious to understand what makes your idea different. What's the tiny tweak, the unique angle, the insight others missed? Like Steve said: Details aren’t the details – they make the product.
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The person(ality)
Just come as you are - with drive, with curiosity, with a spark. We take the work seriously (most of the time), not ourselves. A person fit is important to us, since we care about culture. Oh, and we’re builders, not bankers. No suits required.