Solaris SE

Many businesses, from fast-growing fintechs to established digital companies, face significant hurdles when trying to embed financial services into their offerings. The regulatory complexities, technological challenges, and high costs of building banking products from scratch can stifle innovation and slow down market entry. Customers today expect seamless, integrated experiences, and they don't want to think about the underlying banking infrastructure; they just want it to work effortlessly within the products and services they already use. This is the core problem Solaris was created to solve. As Europe's leading embedded finance platform, we empower our partners to create and offer their own unique, customer-centric financial solutions without having to become a bank themselves.

Solaris provides a comprehensive Banking-as-a-Service (BaaS) platform, which is essentially a toolkit of modular banking services accessible through modern APIs. Our partners can pick and choose the components they need—such as digital bank accounts, payment cards, lending services, 'buy now, pay later' options, and even digital asset custody—and integrate them directly into their own products. This approach allows companies to focus on their core business and customer experience, while we handle the intricate technological and regulatory heavy lifting. As a technology company holding a full German banking license, we operate across Europe, ensuring our partners' offerings are fully compliant and secure. By removing the traditional barriers to entry, we enable a world where financial services are seamlessly woven into everyday life, opening up a universe of possibilities for our partners and their customers.