Semantic Coherence: Solaris SE – Signal Evidence & AI Readability

[H1] Empowering you to offer embedded financial services
Our Banking-as-a-Service platform has everything you need to build your own banking products.Watch what we doTalk to us
[H2] Trusted by innovators across Europe
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[H2] Europe's leading embedded finance platform
Solaris is a German technology company with a full banking license, enabling us to seamlessly operate in all financial areas across Europe.
With our cutting-edge APIs, businesses can effortlessly embed compliant digital banking services into their products and unlock new market potential. We combine the best of technology and banking, handling all regulatory complexities – so our partners can focus on what truly matters: their customers.About us
[H2] Our solutions for your embedded finance needs
[H3] Digital Banking
Provide checking, savings, sub-accounts or multi-accounts on your brand. Support consumers, freelancers, and businesses with local or virtual IBANs.Digital BankingAccounts
[H3] Identification
Onboard individuals, freelancers and businesses in minutes with fully digital, secure, and compliant KYC (Know Your Customer) and KYB (Know Your Business) flows.Know-Your-Customer PlatformKnow-Your-Business Platform
[H3] Cards
Unlock the potential of debit, prepaid and credit cards - Issue and manage physical or virtual cards for any customer segment.CardsDebit CardsPrepaid Cards
[H3] Payments
Enable your customers to send or receive payments with SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant or Batch Payments.Send PaymentsAccept Payments
[H3] Lending
Offer paperless, fast, and mobile lending options in your own branding with overdrafts, installments (Splitpay) and consumer loans.Consumer LendingBNPL - SplitpayAll services
[H3] Embedded finance success stories
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“With its fast processes and well-established technology, Solaris is the ideal partner for us to implement our mission: to bring sustainable banking into the mainstream.”
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—Jakob BerndtCo-Founder of TomorrowSee our case studies
[H2] Banking tech reimagined
[H3] Cutting-edge technology
Our unique Banking-as-a-Service platform has some of the most advanced RESTful APIs in the European market. Our APIs are designed for scalability and international expansion.
[H3] Cloud-based banking
Our entire banking infrastructure is cloud-based. This way we create exceptional banking experiences for our partners' customers. We are leading the development of innovative and truly digital financial products.
[H3] Powerful APIs
With our smart API accessible services, you can easily manage the data of your users in real-time throughout the entire customer lifecycle: from onboarding to long-term support.
[H3] Data Mesh Architecture
Take advantage of our state-of-the-art data mesh architecture to leverage essential data for decision making, planning, forecasting, and regulatory compliance.See our API Docs
[H2] Why you should work with us
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[H3] Neutrality
As a B2B2X platform, Solaris is always a neutral partner and never competes for customers. All products are adapted to the brand design of our partners.
[H3] Speed & flexibility
Our platform approach ensures fast and easy product customization, resulting in superb customer-centric financial features with minimal time-to-market.
[H3] Increased customer loyalty
Integrate financial services into your product landscape and increase customer loyalty with this service. Financial features that are customized are the perfect add-on to be remembered as a brand.
[H3] Fully licensed bank
With our German banking license, we can operate in all EU countries. We always take care of all regulatory complexities so you can focus on creating the best product for your customers.
[H2] Start building your own banking service
Talk to us
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[H3] Never miss an update - Sign up to the Solaris newsletter

[H2] Partnering with Solaris
[H1] Build the financial products your customers deserve.
Whether you're building a fintech, offering B2B payments, or launching financial services in your SaaS, e-commerce, or non-financial app, Solaris helps you move fast, stay compliant, and scale across Europe.
Full German banking licence: passported across the EEA
Modular APIs: cards, accounts, lending, KYC, and more
100% compliant with EU law: fraud detection, anti-money laundering, transaction monitoring, and more
Your brand and identity: white-label solutions — your product, your customer
Tech-first infrastructure: cloud-native and built to scale
Support from sandbox to go-live: with dedicated solution experts
Once you submit the form, our team will get in touch to understand your goals and explore how Solaris can support you.Our partner ecosystem with 30+ outstanding companies
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Note: This form is intended solely for companies wishing to enter into a business relationship with Solaris. All relevant information for private customers can be found in our Help Center.

[H2] Developers
[H1] Build the future of finance with Solaris APIs
Integrate a fully licensed banking infrastructure directly into your product. Our modular REST APIs give your team the flexibility to build, scale, and launch accounts, cards, and lending products seamlessly.See API Documentation
[H2] A modular API structure for seamless scaling
Our API is built on modern REST principles and organized by product domains. Whether you are issuing cards or offering loans, you only integrate the endpoints you need.
[H3] Onboarding & KYC
Create customer profiles, bind devices for Strong Customer Authentication (SCA), and trigger compliant identification flows (VideoIdent, Bankident, eID).
[H3] Banking & Cards
Connect to our core ledger. Manage B2B and B2C accounts, execute SEPA and Instant payments, and handle card issuance, lifecycle, and tokenization.
[H3] Lending
Access endpoints for consumer loans, overdrafts, and Splitpay functionality.Explore all endpoints
[H2] From sandbox to production in three steps
We designed our onboarding journey to ensure your integration is both technically robust and fully compliant with banking regulations.1
[H3] Technical Foundation
Get your API credentials, configure your development environment, and set up your webhook subscriptions. Test your integration safely in our dedicated Sandbox environment.2
[H3] Compliance & Data
Because Solaris is a regulated bank, we guide you through implementing the required legal screens, data collection flows, and tax information requirements.3
[H3] Customer Onboarding
Now, select a customer type to start testing. Trigger workflows to onboard a person (B2C) or entity (B2B), open accounts, and issue cards. For Lending services, the procedure differs; see our API docs.Start your integration journey
[H3] Frequently Asked Questions
[H3] Do you offer a Sandbox environment?
Yes. We provide a fully functional Sandbox environment (api.solaris-sandbox.de) for development and integration testing before you move to the live Production environment.
[H3] Is the Solaris platform compliant with EU data laws?
The Solaris platform is built on a RESTful API-first architecture. To ensure full compliance with GDPR and European banking regulations, all data is hosted within the European Union.
[H3] How do you handle API authentication?
Solaris APIs use standard OAuth 2.0. You will need to obtain and manage OAuth access tokens to authenticate your requests securely.
[H3] How do I get notified of transaction updates?
You can subscribe to real-time webhooks. This is critical for receiving instant notifications on events like 3DS authorizations, payment statuses, and KYC verification updates.
[H3] How do I handle API errors?
Solaris uses standard HTTP status codes. A 400 series error usually includes a JSON body with an id and a message explaining the validation failure. Always log the request_id from the header, as our support team will need it to investigate issues.
[H3] How can I monitor the Solaris API system status and uptime?
We prioritize transparency and platform reliability. You can access our public Status Page to view real-time health updates for all APIs, as well as logs for scheduled maintenance.
[H2] Status of our APIs - Check out our maintenance activities or incidents here
Status page

[H2] Digital Banking
[H1] Create branded digital bank accounts with one API platform
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Create compliant, scalable banking products with our embedded finance APIs. Go live faster with 5+ configurable account types, seamless payments, virtual and local IBANs, and Open Banking integrations—all through a single platform.Serve consumers, freelancers, and SMEs with CRR-compliant infrastructure and EU passporting for full regulatory coverage.Talk to usWatch case study
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[H2] Embed EU-compliant banking into your product, fast
Launch EU-compliant banking products under your brand—powered by Solaris.
Embed digital accounts, payments, and banking features into your product with a white-label solution built for consumers, freelancers, and business users.
As a CRR-licensed bank in Germany, with passporting and operations in France, Spain, and Italy, Solaris enables you to offer safeguarded banking services across the EU.
[H2] Digital banking building blocks for your business
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[H3] Accounts at the core of your digital banking product
Choose from five account types—checking, savings, wallets, multi-accounts, and sub-accounts—designed for consumers, freelancers, and businesses.
Offer local IBANs in Germany, France, Spain, and Italy to eliminate IBAN discrimination. Alternatively, deploy virtual IBANs to enable seamless international payments. This flexibility supports compliant, scalable, and user-friendly banking experiences.
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[H3] SEPA, SEPA Instant, standing and scheduled transfers
Enable fast, secure euro payments with SEPA Credit Transfer, SEPA Direct Debit, and SEPA Instant, available 24/7 across 38 countries.
Support TARGET-2, scheduled orders and batch payments to let customers schedule and automate transactions efficiently.
Enhance payment security with Verification of Payee (VoP), reducing fraud by confirming recipient names before funds transfer.
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[H3] Seamless banking powered by smart features
Enable real-time notifications, SEPA Instant payment limit controls, and cash deposit and withdrawal options—providing customers with familiar banking convenience.
Offer instant card top-ups for easy funding, Open Banking integrations to connect third-party services, and loyalty programs to increase customer engagement. Manage pricing efficiently using our Billing Engine and dynamic product catalog.
[H2] Hear what our partners have to say
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“We said, it’s so difficult to found a bank - and then we figured out there is Solaris”— Inas NureldinCo-Founder and CEO of Tomorrow
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[H2] Real-time AI fraud detection for enhanced security
[H3] Real-time fraud monitoring
Protect every transaction with 24/7 real-time fraud monitoring. Our system detects suspicious activity instantly, helping maintain customer trust and platform security.
[H3] AI-powered risk management
Leverage AI-based risk management to scan transactions continuously, identify anomalies, and prevent fraud proactively—supporting compliance and reducing operational risk.
[H3] Smart Agent & 3D Secure
Combine Smart Agent alerts with 3D Secure authentication to notify users immediately of suspicious activity and add a robust security layer for online card payments.
[H2] Go beyond accounts with advanced financial services
[H3] Identification
Enable fast, frictionless onboarding with EU-compliant identity verification, reducing customer drop-off while meeting anti-money laundering (AML) requirements.Identification
[H3] Overdraft
Provide financial flexibility by offering overdraft facilities that allow customers to borrow up to a predetermined limit, improving short-term cash flow.Overdraft
[H3] Cards
Issue branded physical and virtual cards—Visa or Mastercard, prepaid, debit, or credit—enabling customers to pay globally with your product in their wallet.Cards
[H2] Transform your business with embedded banking benefits
[H3] Engage your customers more deeply
Banking services are part of daily life. Increase your customer touchpoints and gain actionable insights into spending behavior to improve retention and personalization.
[H3] Launch and scale quickly
Deploy your digital banking product within months using our compliant, secure API platform. Leverage EU passporting to scale across 30 EEA countries with a single integration.
[H3] Tap into new revenue streams
Expand your product portfolio with advanced banking features, creating multiple income opportunities that complement your core business.
[H3] Let us handle compliance
You own the customer experience; Solaris manages compliance, safeguarding, and regulatory reporting. As a fully licensed CRR bank in Germany, we handle the regulatory complexity so you can concentrate on scaling your banking product.Talk to us
[H2] Who we work with
[H2] Our API - elegant and easy to integrate
Businesses & personsIdentificationsAccountsTransactionsWebhooksBusinesses & personsOur API makes it straightforward to manage your retail and business customers' personal information along the complete customer life-cycle: from onboarding to long-term servicing.Sample endpoints of our APIPOST /personsIdentificationsOur digital Know-Your-Customer (KYC) processes allow you to identify both retail and business customers in a smooth and compliant way.Sample endpoints of our APIPOST /persons/:person_id/identificationAccountsProvide your customers with real time information on all cash movements on their accounts.Sample endpoints of our APIPOST /persons/:person_id/accountsTransactionsOur accounts support various payment methods, including SEPA Credit Transfers and SEPA Direct Debits, as well as different authorization flows.Sample endpoints of our APIPOST /persons/:person_id/accounts/:account_id/transactions/sepa_credit_transferWebhooksProvide real-time notifications and alerts to your customers, such as new account bookings or successful card transactions. Our webhooks support flexible workflows and event-driven process flows.Sample endpoints of our APIPOST /webhooks
[H2] Interested in upcoming features?
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[H2] Let's start building your digital bank together
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