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Solaris
European Banking-as-a-Service platform offering modular REST APIs for digital accounts, cards, and lending.
About Solaris
Solaris (Solaris SE) is a European Banking-as-a-Service (BaaS) provider operating under a full German banking license supervised by BaFin and the European Central Bank. Solaris enables digital enterprises and fintechs to embed compliant financial products directly into their user journeys via modular REST APIs.
The platform encompasses digital bank accounts, individual and business IBAN issuance, debit and credit card production, automated digital KYC/KYB identity verification, and embedded lending. By handling the regulatory, balance sheet, and compliance requirements, Solaris allows brands to offer localized European banking services without securing an independent banking charter.
Key Features
- European Banking Charter: Full German banking license providing passported services across European Union markets.
- Digital Account & IBAN Creation: Real-time generation of personal and business bank accounts with localized European IBANs.
- SEPA Money Movement: Complete programmatic integration with SEPA Credit Transfers and SEPA Instant payment rails.
- Card Issuing Infrastructure: Production and processing of Visa and Mastercard debit and credit cards with tokenization support.
- Integrated Identification: Video identification, eID, and automated identity verification solutions built directly into onboarding flows.
- Embedded Credit & Lending: Programmatic consumer lending, overdrafts, and buy-now-pay-later (BNPL) credit models.
Pricing
- Enterprise BaaS Model: Custom pricing/billing basis Solaris operates an enterprise pricing model based on compliance requirements, integration scale, account maintenance fees, and transaction clearing volume.
Use Cases
- Embedding localized European digital bank accounts inside enterprise SaaS platforms
- Issuing branded Visa or Mastercard physical and virtual debit cards for consumer apps
- Offering point-of-sale financing, installment loans, and consumer credit lines
- Automating customer identity verification and immediate European IBAN issuance
Pros & Cons
Pros:
- Full European banking license allowing pan-European regulatory passporting
- Comprehensive product breadth covering accounts, cards, lending, and identification
- Mature REST API architecture with extensive European integration experience
Cons:
- Onboarding involves complex compliance reviews and regulatory approval timelines
- Pricing models are customized for enterprise partnerships rather than self-service use
Integrations
SEPA, SEPA Instant, Visa, Mastercard, BaFin, European Central Bank
FAQ
What regulatory status does Solaris hold?
Solaris holds a full banking license in Germany under the supervision of BaFin and the European Central Bank, allowing it to passport services across the EU.
Can businesses issue European IBANs with Solaris?
Yes, Solaris allows platforms to programmatically create personal and business accounts with localized European IBANs.
What payment networks does Solaris support?
Solaris supports standard SEPA Credit Transfers and SEPA Instant payments for euro-denominated transactions across Europe.
Does Solaris offer card issuing capabilities?
Yes, the platform supports both physical and virtual Visa and Mastercard issuing, complete with digital wallet tokenization.
What identification solutions are available?
Solaris provides built-in KYC/KYB identity verification services, including automated document checks and video identification workflows.
Can companies offer loans or credit using Solaris?
Yes, Solaris provides embedded lending modules that enable consumer loans, credit lines, and overdraft capabilities.
Where can developers find Solaris documentation?
Developer guides, sandbox environments, and OpenAPI references are accessible through the official Solaris Developer Hub.
Last edited
November 2, 2026 at 9:24 AM by Venkatraman Chandrasekaran
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