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Solaris
Solaris is a European Banking-as-a-Service (BaaS) and embedded finance platform operating under a full German banking license. By providing modular cloud-native infrastructure, Solaris allows businesses, digital platforms, and fintechs to seamlessly integrate compliant banking services directly into their user products. Its platform offers modular solutions for digital bank accounts, KYC/KYB identity verification, virtual and physical card issuance, SEPA payments, and lending. By managing technical and regulatory complexities, Solaris lets companies launch white-labeled financial products across Europe.
What it does
Provides RESTful APIs for creating IBAN-supported digital bank accounts and sub-accounts. Automates KYC and KYB compliance checks for rapid consumer and business digital onboarding. Issues physical and virtual debit, credit, and prepaid cards in partner custom brand designs. Processes SEPA credit transfers, direct debits, and instant payments through cloud payment rails.
Why it works
Full German banking license handles regulatory and compliance burdens across EU markets. Modular API architecture allows rapid custom integration without rebuilding core infrastructure. B2B2C positioning maintains partner brand ownership without competing directly for end users. Cloud-native payment stack supports high-volume scalable SEPA and card transactions.
Category: Business & Operations
Team Size: 100+
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As of 2026
Business & Operations
Revenue: $100M+ ARR
API platform enabling businesses to embed compliant European banking services.
Overview
Solaris is a European Banking-as-a-Service (BaaS) and embedded finance platform operating under a full German banking license. By providing modular cloud-native infrastructure, Solaris allows businesses, digital platforms, and fintechs to seamlessly integrate compliant banking services directly into their user products. Its platform offers modular solutions for digital bank accounts, KYC/KYB identity verification, virtual and physical card issuance, SEPA payments, and lending. By managing technical and regulatory complexities, Solaris lets companies launch white-labeled financial products across Europe.
Funding status: Funded
Revenue source: Subscriptions, Platform Fees & Transaction Interchange
Customer type: B2B2C
Pricing: Enterprise
Tech stack: REST APIs, Cloud Infrastructure, Data Mesh Architecture, Java, Go, Kubernetes
Platform: Web
Integrations: ACI Connetic, Visa, SEPA Rail, REST APIs, Swisscom Trust Services
Founder story
Solaris was founded in 2016 in Berlin, Germany, by Marko Wenthin, Andreas Bittner, and FinLeap. The founders recognized that non-banking companies faced high legal and technical barriers when attempting to offer digital financial products. They established Solaris as a cloud-first tech platform with a full banking license, allowing businesses to embed financial services compliantly via APIs.
What it does
- Provides RESTful APIs for creating IBAN-supported digital bank accounts and sub-accounts
- Automates KYC and KYB compliance checks for rapid consumer and business digital onboarding
- Issues physical and virtual debit, credit, and prepaid cards in partner custom brand designs
- Processes SEPA credit transfers, direct debits, and instant payments through cloud payment rails.
Who it's for
- Fintech Startups & Neobanks
- E-Commerce & Digital Marketplaces
- Enterprise Tech Brands & Corporations
- SaaS Platform Providers & Software Vendors
Why it works
- Full German banking license handles regulatory and compliance burdens across EU markets
- Modular API architecture allows rapid custom integration without rebuilding core infrastructure
- B2B2C positioning maintains partner brand ownership without competing directly for end users
- Cloud-native payment stack supports high-volume scalable SEPA and card transactions.
Growth strategies
- Partnering with major tech brands like Samsung and ADAC to expand embedded card networks.
- Expanding ecosystem integrations with cloud accounting and B2B SaaS platform vendors.
- Scaling European geographic footprint by enabling local IBANs across targeted EU countries.
- Consolidating instant SEPA payment infrastructure to handle enterprise- level transaction scale.
Alternatives
Comparison overview
- Solaris operates with a full German banking license to cover regulated banking across Europe, whereas modular middleware platforms rely on external sponsor banks.
- Solaris provides complete white-labeled API endpoints for cards and accounts, while traditional banking processors require rigid legacy integration flows.