Solaris

Solaris

Solaris was founded as a Banking-as-a-Service platform and holds a full German banking license, enabling it to operate across the European Union. The company combines its own core banking infrastructure with RESTful APIs that partners — from SMEs to multinationals — use to white-label financial products. Under CEO Steffen Jentsch, the firm has scaled to more than 400 employees across offices in Berlin, Milan, Madrid, and Paris. Asset-class coverage spans digital banking (checking, savings, and sub-accounts with local or virtual IBANs), card issuing (debit, prepaid, and credit cards in physical and virtual form), payments (SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant, and batch payments), and consumer lending (overdrafts, installment loans, and a BNPL product called Splitpay). The platform also provides fully digital KYC and KYB onboarding flows. Named partners include the sustainability-focused neobank Tomorrow, though Solaris typically does not disclose its full partner roster publicly. The firm reports more than EUR 530 million raised from a group of international investors and maintains a team of over 400 professionals in four European locations. The Italian, Spanish, and French markets are each overseen by general managers — Federico Roesler Franz, Gabriel Yermo, and Jean-François Guillaumin, respectively — while Dr. Matthias Heinrich serves as Chief Risk Officer. A supervisory board chaired by Yasuhiro Fujiki provides governance oversight. Solaris is distinct because it is a bank, and only a bank, for other businesses — it never competes with its partners by launching a consumer-facing brand. This B2B2X neutrality means the firm shoulders the full regulatory burden (DORA, PSD2, AML directives) while the partner retains the customer relationship, creating a hard structural separation between risk-bearing infrastructure and distribution.