Solaris

Solaris SE is a Berlin-based embedded-finance / Banking-as-a-Service platform operating on a full German CRR commercial banking license. Its REST API lets partners embed regulated banking into their own products: digital banking with local German IBANs and SEPA credit transfers, direct debit and instant payments; debit and credit cards with 3D Secure, tokenization and spending controls; KYC/KYB identity verification (Bankident, VideoIdent, AutoIdent, Fourthline); and lending products including overdrafts, Splitpay and consumer and business loans. The API uses OAuth2 client-credentials bearer tokens, HMAC-SHA256-signed webhooks for ~80 real-time events, page-number pagination, and a structured Money object, and is certified under ISO/IEC 27001, PCI DSS 4.0, DORA and GDPR.

Solaris publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Banking, Banking as a Service, and Embedded Finance.

The Solaris catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Solaris’ developer surface includes documentation, API reference, getting-started guide, support, changelog, authentication, sandbox, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

44.4/100 thin ▬ flat Agent 39/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

1 APIs 1 MCP Servers

CompanyFintechBankingBanking as a ServiceEmbedded FinancePaymentsSEPACardsKYCLendingComplianceOAuth2WebhooksGermany

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 44.4/100 · thin

Contract Quality 5.7 / 25

Developer Ergonomics 13.0 / 20

Commercial Clarity 3.7 / 20

Operational Transparency 6.8 / 13

Governance 0.0 / 12

Discoverability 9.3 / 10

Agent readiness — 39/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/solaris: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Solaris Embedded Finance API

The Solaris REST API for embedded banking, cards, payments (SEPA), KYC/KYB identity, and lending. OAuth2 client-credentials auth; HMAC-signed webhooks.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Solaris Scopes

1 scope · clientCredentials

1 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Compliance

Authentication

OAuthScopes

Operate 5

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

ChangeLog

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: solaris
name: Solaris
description: 'Solaris SE is a Berlin-based embedded-finance / Banking-as-a-Service platform operating on a full German CRR
  commercial banking license. Its REST API lets partners embed regulated banking into their own products: digital banking
  with local German IBANs and SEPA credit transfers, direct debit and instant payments; debit and credit cards with 3D Secure,
  tokenization and spending controls; KYC/KYB identity verification (Bankident, VideoIdent, AutoIdent, Fourthline); and lending
  products including overdrafts, Splitpay and consumer and business loans. The API uses OAuth2 client-credentials bearer tokens,
  HMAC-SHA256-signed webhooks for ~80 real-time events, page-number pagination, and a structured Money object, and is certified
  under ISO/IEC 27001, PCI DSS 4.0, DORA and GDPR.'
url: https://raw.githubusercontent.com/api-evangelist/solaris/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://docs.solarisgroup.com/static/solaris-signet-e6f33da6ebaffa690232d6cc1f63ee39.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- hv-capital
x-tier: enriched
x-tier-reason: portfolio-lead-enriched
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Banking
- Banking as a Service
- Embedded Finance
- Payments
- SEPA
- Cards
- KYC
- Lending
- Compliance
- OAuth2
- Webhooks
- Germany
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Solaris Embedded Finance API
  description: The Solaris REST API for embedded banking, cards, payments (SEPA), KYC/KYB identity, and lending. OAuth2 client-credentials
    auth; HMAC-signed webhooks.
  humanURL: https://docs.solarisgroup.com/api-reference
  baseURL: https://api.solarisbank.de
  properties:
  - type: Authentication
    url: authentication/solaris-authentication.yml
  - type: OAuthScopes
    url: scopes/solaris-scopes.yml
common:
- type: DomainSecurity
  url: security/solaris-domain-security.yml
- type: Website
  url: https://www.solarisgroup.com/
- type: DeveloperPortal
  url: https://docs.solarisgroup.com/
- type: Documentation
  url: https://docs.solarisgroup.com/guides
- type: APIReference
  url: https://docs.solarisgroup.com/api-reference
- type: GettingStarted
  url: https://docs.solarisgroup.com/guides/get-started
- type: Support
  url: https://docs.solarisgroup.com/help
- type: StatusPage
  url: https://status.solarisgroup.com/
- type: Deprecation
  url: https://docs.solarisgroup.com/api-reference/breaking-changes
- type: Compliance
  url: https://www.solarisgroup.com/en/license/
- type: PrivacyPolicy
  url: https://www.solarisgroup.com/en/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/solarisBank
- type: ChangeLog
  url: https://docs.solarisgroup.com/release-notes
- type: ChangeLog
  url: changelog/solaris-changelog.yml
  name: Solaris changelog artifact
- type: Authentication
  url: authentication/solaris-authentication.yml
- type: OAuthScopes
  url: scopes/solaris-scopes.yml
- type: Conventions
  url: conventions/solaris-conventions.yml
- type: ErrorCatalog
  url: errors/solaris-error-codes.yml
- type: Lifecycle
  url: lifecycle/solaris-lifecycle.yml
- type: Conformance
  url: conformance/solaris-conformance.yml
- type: Webhooks
  url: asyncapi/solaris-webhooks.yml
- type: Sandbox
  url: sandbox/solaris-sandbox.yml
- type: MCPServer
  url: mcp/solaris-mcp.yml
- type: WellKnown
  url: well-known/solaris-well-known.yml
- type: LLMsTxt
  url: llms/solaris-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 13
  pass: local-v1