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The solarisBank Digital Banking Engine

solarisBank Digital Banking Engine is composed of essential banking services empowering pioneers across industries. With solarisBank’s Digital Banking Engine infrastructure, your business can offer retail bank accounts to end-customers, freelancers and businesses quickly without needing to build the required systems or obtain the relevant licenses.

The core of your digital banking product

Whether you’re offering a bank account as a service for your existing customers or setting out to completely redefine what it means to be a bank, the Digital Banking Engine is the complete banking infrastructure your business needs. The Digital Banking Engine is composed of several proprietary technologies as well as components sourced from partners. It includes everything needed to conduct retail banking for all manner of customers, including SEPA Credit/Debit, IBAN, and cards issued by our partner, Mastercard. Additionally, the Digital Banking Engine also includes PostIdent or video KYC providers.
solarisBank’s umbrella banking license, issued in Germany, ensures regulatory compliance for all kinds of money transfers and banking activities. As a licensed bank in Germany, solarisBank is regulated by the German regulator, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and its banking license can be passported to countries throughout the EEA, allowing you to offer bank accounts seamlessly throughout Europe.
This all happens in the background, of course; with the Digital Banking Engine, your business stays at the forefront. Our Digital Banking Engine powers your business processes from the background, integrating with your existing processes and opening up new possibilities for innovation.

Integrated KYC

Customer identity verification powered by PostIdent as well as video identification providers

Umbrella Banking License

Regulated by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)

Complete Banking Toolkit

Accounts, transactions, cards, overdraft, and more

Digital Banking Engine provides core bank account infrastructure you can build with

The Digital Banking Engine combines standard and proprietary banking services, providing your business with a strong foundation for your custom retail account products.

Accounts

Accounts integrated via RESTful API to settle and clear transactions in near real-time.

Cards

solarisBank has partnered with MasterCard to issue several card types.

KYC

solarisBank has partnered with IDnow to provide automated KYC where required.

Transactions

Perform compliant transactions in near real-time.

Umbrella Banking License

German banking license issued by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), which can be passported to countries throughout the EEA.

  • Accounts

    Accounts integrated via RESTful API to settle and clear transactions in near real-time.

  • Cards

    solarisBank has partnered with MasterCard to issue several card types.

  • KYC

    solarisBank has partnered with IDnow to provide automated KYC where required.

  • Transactions

    Perform compliant transactions in near real-time.

  • Umbrella Banking License

    German banking license issued by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), which can be passported to countries throughout the EEA.

Banking tech your business needs

If you don’t understand, ask your developer how w00t this is.
✓ Our API structure is optimized for human understanding. Hence RESTful and not SOAP, or whatever the other old-school banks use.
✓ Webhooks anyone? No more wasting resources by running loops and constantly pinging our servers for completed actions. (For non-techies, this is like a push notification so you don’t always have to hit the refresh button to see if something has been done)
✓ Go home XML, you’re drunk. Hello JSON! It’s nice to look at simple, short, readable code and understand it at first glance. Much more human-friendly.
✓ Access our sandbox through our developer playground! Yup. We have a playground.

Our thoroughly-documented RESTful API enables your team to innovate without delay. Our API structure complies with REST conventions so any software engineer can quickly understand and get to work. Our banking endpoints provide convenient hooks for your proprietary programs to trigger custom events such as balance warnings, location-based transactions, and many more innovative features. The Banking Engine API means banking done with code - not manual processes.

Are you ready to pioneer?