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 is listed with 2 APIs on the APIs.io network, including solarisBank AG API, and 1 more. 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 engineering blog, documentation, API reference, getting-started guide, support, changelog, authentication, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

49.0/100 developing ▬ flat Agent 23/100 agent aware Front door AI 1/6 silent Heartbeat 0/100 dormant Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

2 APIs

Company Fintech Banking Banking as a Service Embedded Finance Payments SEPA Cards KYC Lending Compliance OAuth Webhook Germany Finance Europe Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 49.0/100 · developing

Contract Quality 10.8 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 3.1 / 17

Operational Transparency 5.5 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 6.7 / 15

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 18.4 — up to +16.3 composite points
Contract Quality scores 50.6 — up to +12.4 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/solaris/apis.yml: open an issue on github.com/api-evangelist/solaris to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	19.2 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	19.2 (thin)	-	-
DACH and Netherlands Financial Supervisor Registers (BaFin, FINMA, DNB)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 2

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.

solarisBank AG API

solarisBank AG API as documented publicly: 48 operations. Contract generated from the documentation by API Evangelist (2026-10-21); not the provider's own document.

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Solaris Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Solaris Authentication

oauth2 · 1 scheme

SECURITY

Solaris Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Solaris Scopes

1 scope · clientCredentials

1 scopes

SCOPES

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Sandbox

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

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 3

The organization behind the API

Blog

Blog

Website

Website

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
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  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: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: redocly
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Fintech
- Banking
- Banking as a Service
- Embedded Finance
- Payments
- SEPA
- Cards
- KYC
- Lending
- Compliance
- OAuth
- Webhook
- Germany
- Finance
- Europe
- Authentication
tags_raw:
- Company
- Fintech
- Banking
- Banking as a Service
- Embedded Finance
- Payments
- SEPA
- Cards
- KYC
- Lending
- Compliance
- OAuth2
- Webhooks
- Germany
- Finance
- Europe
- Authentication
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
- aid: solaris:solarisbank-api
  name: solarisBank AG API
  description: 'solarisBank AG API as documented publicly: 48 operations. Contract generated from the documentation by API
    Evangelist (2026-10-21); not the provider''s own document.'
  humanURL: https://docs.solarisgroup.com/api-reference/digital-banking/cards/card-delivery-tracking-api
  baseURL: https://api.solaris-sandbox.de
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/solarisbank-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/solarisbank-post-oauth-token-request-schema.json
  - type: JSONSchema
    url: json-schema/solarisbank-post-v1-businesses-businessid-fronting-loan-applications-applicatio-schema.json
  - type: JSONSchema
    url: json-schema/solarisbank-post-v1-webhooks-request-schema.json
  - type: JSONSchema
    url: json-schema/solarisbank-get-v1-persons-personid-consumer-loan-applications-applicationid-res-schema.json
  - type: JSONSchema
    url: json-schema/solarisbank-post-v1-businesses-businessid-fronting-loans-loanid-payouts-request-schema.json
  - type: JSONSchema
    url: json-schema/solarisbank-put-v1-persons-personid-consumer-loan-applications-applicationid-upl-schema.json
common:
- url: https://www.solarisgroup.com/blog/
  type: Blog
- 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: X-MCPServerCandidate
  url: mcp/solaris-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: WellKnown
  url: well-known/solaris-well-known.yml
- type: LLMsTxt
  url: llms/solaris-llms.txt
- type: Website
  url: https://www.solarisgroup.com/en/
- type: DeveloperPortal
  url: https://www.solarisgroup.com/en/developers/
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 13
  pass: local-v1

Solaris API — frequently asked questions

Does Solaris have an API?

Yes. APIs.io lists 2 APIs from Solaris, including Solaris Embedded Finance API and solarisBank AG API.

Is there an OpenAPI specification for the Solaris API?

Yes. APIs.io indexes 1 OpenAPI specification for Solaris, each linked for download from this page.

How do I authenticate with the Solaris API?

Solaris uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Solaris Authentication.

Is the Solaris API ready for AI agents?

Solaris has a Kin Score of 49.0 out of 100 (developing) and an Agent Readiness score of 22.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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