Why Solaris
Focus on product innovation – Solaris takes care of the rest
Solaris is Germany’s first cloud-based bank and Europe's largest embedded finance platform.
We empower companies to rapidly deploy secure, scalable financial services into product ecosystems – enhancing customer engagement and driving profitable growth.
Why embedded finance?
Embedded finance lets any business deliver customized, branded financial solutions directly within product offerings. Solaris makes integrating these solutions swift, secure, and seamless.
We provide a proven infrastructure enabling rapid market entry with your personalized financial services. Profit from reduced risk through reliable and compliant products and processes.
Compliance assured: Solaris' CRR license
Leverage Solaris' German banking license to offer your digital-first financial features.
Benefit from our superior compliance and security protocols, exceeding typical EMI protections. Unlike payment institutions, all customer deposits are ECB-insured, providing unmatched protection.
Solaris handles all regulatory complexities, continuously maintaining compliance, enabling your team to focus on building superior user experiences.
Next generation banking - all products on one platform
Simplify your customers’ financial lives with Solaris. Offer accounts, payment cards, consumer lending, and compliant ID solutions. All via the most sophisticated RESTful APIs available in the European market.
Our cloud-native platform enables secure, real-time data management, from onboarding to support. Built for international growth, Solaris makes embedding financial services seamless.
Expert teams protecting your business
Our compliance and risk management specialists proactively safeguard your business with rigorous Anti-Money-Laundering, Know-Your-Customer, credit scoring, and non-financial risk protocols.
Ongoing risk assessments enhanced with AI-driven screenings defend your customers against financial fraud.
In line with your full banking licence requirements, we leverage a robust three-line defense system, continuously auditing and monitoring transactions. This way we ensure highest compliance standards.
Scale with embedded finance: fast access, real growth
Solaris empowers businesses to grow across Europe with seamless embedded finance solutions. Our platform, operations, and international branches are built to support your expansion across the EEA.
With over 40% of customers now preferring embedded financial services over traditional banks, the demand is clear: convenience wins.
Launch quickly in Europe’s biggest markets with access to local IBANs in Germany, France, and Italy – go live in days, not years.
Partners set for success
Our onboarding process is structured, detailed, and meticulously risk-averse. We involve expert teams from across the company to rigorously prepare each partner for a successful start.
Unlike competitors, we secure BaFin’s approval upfront. When a product goes live, it's guaranteed to have passed extensive scrutiny, positioning your business confidently for sustainable growth and success.
1
Implementation setup
Solaris outlines an end-to-end onboarding process covering API technical integration, customer service processes, risk protection, and contractual setup.
2
Onboarding kickoff
We walk you through the implementation plan and align on all key steps to ensure a smooth start.
3
Implementation streams
We initiate the core implementation streams: API integration and testing, customer support setup, and risk protection planning.
4
Approval & Contract signature
The operation requires approval from Solaris and the regulator, in line with Compliance, AFC, Credit and Non-Financial Risk, and Legal requirements. Once approval is granted, the contract is signed.
5
Launch time
Everything is in place — you are ready to launch and begin your embedded finance journey with confidence.