Solaris

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.

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.

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.

Alternatives

• Swan
• Griffin
• ClearBank
• Unit

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.