# Holvi

> Holvi is a Finnish digital business-banking service for freelancers, founders and SMEs (founded 2011, Helsinki; a regulated Authorised Payment Institution). It offers a business account with IBAN, a Business Mastercard, invoicing, expense tracking and bookkeeping prep across Finland, Germany and Austria. For developers, Holvi publishes a PSD2 API v2.0 for licensed Third Party Providers (AISP account information + PISP payment initiation, with Verification of Payee).

## APIs
- [Holvi PSD2 API v2.0 reference](https://holvi.github.io/psd2-api/): Account information (AISP), payment initiation (PISP, SEPA/SEPA Instant/SWIFT), Verification of Payee, certificate renewal. Base URL https://api.psd2.holvi.com.

## Specs
- [Reconstructed OpenAPI (generated from the published reference)](openapi/holvi-psd2-openapi.yml)
- [Authentication profile](authentication/holvi-authentication.yml)
- [Agentic access contract](agentic-access/holvi-agentic-access.yml)
- [API conventions](conventions/holvi-conventions.yml)
- [Error / status catalog](errors/holvi-problem-types.yml)
- [Lifecycle & versioning](lifecycle/holvi-lifecycle.yml)
- [Conformance (PSD2, eIDAS, SCA, HTTP signatures)](conformance/holvi-conformance.yml)
- [Data model](data-model/holvi-data-model.yml)
- [Candidate MCP tools](mcp/holvi-mcp.yml)

## Docs
- [Developer portal](https://holvi-developer.zendesk.com/hc/en-gb)
- [Quickstart](https://holvi.github.io/psd2-api/initial_steps/index.html)
- [Authentication](https://holvi.github.io/psd2-api/authentication.html)
- [Changelog](https://holvi.github.io/psd2-api/changelog.html)
- [Help centre](https://support.holvi.com/hc/en-gb)
- [GitHub organization](https://github.com/holvi)

## Agent Skills
- [Read account information (AISP)](skills/holvi-read-account-information.md)
- [Initiate a SEPA payment (PISP)](skills/holvi-initiate-sepa-payment.md)
- [Verify payee then pay (VOP)](skills/holvi-verify-payee-and-pay.md)

## Company
- [Website](https://www.holvi.com/)
- [Pricing](https://www.holvi.com/pricing/)
- [Blog](https://blog.holvi.com/)
- Developer contact: developer@holvi.com