Solaris SE

Solaris SE is a Berlin-based technology company holding a full German banking licence, established in 2015 and operational from March 2016. It addresses the licensing and infrastructure barrier facing brands and fintechs that want to offer regulated financial products in Europe without becoming a bank: Solaris holds the licence and carries the regulatory obligations, while partners embed accounts, cards, payments and credit into their own products through RESTful APIs.

The platform is modular, covering digital banking with current, savings and multi-account structures; issuing and managing debit, prepaid and credit cards; KYC and KYB identification; SEPA transfers, direct debits, instant payments and batch processing; and lending including consumer loans and Splitpay instalment financing. Because the licence is German, services can be passported across EU markets. Japan’s SBI Group became majority shareholder in March 2025.

1. Full German banking licence, allowing EU-wide passporting of accounts, cards, payments and lending.

2. Five product families: Digital Banking, Cards, Identification (KYC/KYB), Payments (SEPA, instant, direct debit, batch) and Lending including Splitpay BNPL.

3. Card scheme partnerships with Mastercard since 2016 and Visa since 2018.

4. More than 700 employees and roughly ten years of operating history in the European BaaS market.

5. SBI Group majority shareholder since March 2025, after a EUR 140M Series G joined by Boerse Stuttgart Group.

6. 2026 strategy: AI-automated banking processes with human oversight, framed within the EU AI Act and DORA.