Solaris
Solaris provides a banking-as-a-service platform that enables any company to offer regulated financial products under its own brand. The platform includes RESTful APIs with over 400 endpoints for accounts, cards, payments, and credit, backed by a German full banking license with EU passporting. Solaris manages regulatory compliance, fraud monitoring, and card issuance while partners control branding and customer experience.
- Financial Technology
- Software Only
- Artificial Intelligence
- Regulatory & Compliance Technology
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Companies that want to offer financial products to their customers face significant barriers, including the need for a banking license, complex regulatory compliance, and the high cost of building banking infrastructure from scratch. This prevents many businesses from integrating banking services into their existing platforms and limits their ability to enhance customer engagement and retention.
Solution
Solaris provides a comprehensive banking-as-a-service platform that enables any company to offer regulated financial products under its own brand. The platform includes RESTful APIs with over 400 endpoints for accounts, cards, payments, and credit, all built on a cloud-based infrastructure designed for scalability and international expansion. Solaris holds a German full banking license with EU passporting, allowing partners to operate across the European Economic Area while Solaris manages regulatory obligations, compliance, and 24/7 AI-powered fraud monitoring. Businesses can combine modules into a standalone product or a full financial suite, keeping control of branding and customer experience while Solaris handles the complex banking operations, including card issuance, SEPA payment processing across 38 countries, digital identity verification, and deposit protection.
Target Audience
Primary customers are software providers, mobility companies, travel businesses, and wealth management firms—ranging from startups to multinational corporations—that want to integrate banking products into their platforms under their own brand.
Features
- RESTful APIs with over 400 endpoints for accounts, payments, cards, and credit services
- Five account types including current accounts, savings accounts, wallets, multi-accounts, and sub-accounts with local and virtual IBANs across Germany, France, Spain, and Italy
- Card issuance for Visa and Mastercard in physical, virtual, or tokenized form, supporting prepaid, debit, and credit variants with customizable branding and premium materials
- SEPA Credit Transfer, SEPA Direct Debit, and SEPA Instant payments across 38 countries with Verification of Payee for fraud reduction
- AI-powered 24/7 fraud monitoring with real-time transaction pattern detection and 3D Secure authentication
- Cloud-based data mesh architecture for real-time customer data management and regulatory compliance
- EU-compliant digital identity verification for streamlined onboarding and AML compliance
- Overdraft facilities (Dispo) and installment payment options (Splitpay) for flexible credit offerings