How Holvi is building a scalable payment infrastructure with DiXiO

Key takeaways

✔️ Holvi modernized its Swift connectivity infrastructure using DiXiO’s Smart Messaging Platform.

✔️ The platform provides a secure and scalable financial messaging infrastructure for fintech operations.

✔️ Holvi is now exploring additional payment rails to expand its cross-border payment capabilities.

✔️ DiXiO’s platform supports fintechs in building flexible payment infrastructure that can evolve as their business grows.

Customer History

Founded in 2011, Holvi is a Finnish fintech providing digital business accounts and financial management tools for freelancers, entrepreneurs and small businesses across Europe.

As a digital-first financial platform, Holvi relies heavily on efficient and reliable payment infrastructure to support its customers' financial operations.

To maintain a competitive fintech platform, Holvi continuously evaluates how its financial messaging and payment architecture can evolve to support new services, payment networks and cross-border payment capabilities.

Joona Huovinen, responsible for Swift connectivity and payment infrastructure at Holvi, leads the company’s efforts to modernize its financial messaging infrastructure and ensure it remains aligned with the company’s long-term growth strategy.

Customer Needs

Before partnering with DiXiO, Holvi accessed the Swift network through a traditional Swift Service Bureau provider. While the setup enabled access to the global financial messaging network, Holvi began reassessing whether the existing model was delivering sufficient value in terms of:

Service quality
Operational efficiency
Cost structure

Infrastructure flexibility

As a growing fintech, Holvi also needed an infrastructure capable of supporting the evolution of its payment capabilities. For modern financial platforms, Swift connectivity is only one component of a broader payment ecosystem that includes multiple payment networks and cross-border payment rails.

Holvi therefore sought a partner capable of supporting both its current Swift messaging operations and its future payment infrastructure strategy.

Solution

Holvi selected DiXiO’s Smart Messaging Platform to support its Swift connectivity and financial messaging infrastructure. The platform enables financial institutions and fintechs to connect to the Swift network through a secure and managed messaging environment while simplifying infrastructure management.

Since joining the platform last year, Holvi has been operating its Swift messaging infrastructure through DiXiO, benefiting from improved reliability and operational efficiency. Beyond Swift connectivity, DiXiO’s platform provides a unified financial infrastructure capable of connecting multiple payment rails, enabling fintechs like Holvi to progressively expand their payment capabilities without adding operational complexity.

This architecture allows Holvi to explore additional cross-border payment networks and payment rails as its business continues to grow. This partnership-driven approach has helped establish a collaborative relationship between the two organizations.

Together, Holvi and DiXiO are now exploring how additional payment rails and payment networks could further enhance Holvi’s payment capabilities and support its long-term infrastructure strategy.