# Solid Financial

**Source:** https://geo.sig.ai/brands/solid-financial  
**Vertical:** FinTech  
**Subcategory:** Fintech-as-a-Service  
**Tier:** Emerging  
**Website:** solidfi.com  
**Last Updated:** 2026-04-14

## Summary

Solid Financial (San Jose) offers a fintech-as-a-service API for bank accounts, debit cards, and payments with bank sponsorship and compliance built in, enabling product launches within days.

## Company Overview

Solid Financial is a San Jose-based fintech infrastructure company that provides a platform for launching financial products — bank accounts, debit cards, ACH transfers, wire transfers, and spend management — through a unified API with compliance and banking infrastructure handled by Solid. The platform is designed for speed of deployment: companies can launch a working financial product in days using Solid's APIs and pre-built front-end components, with bank sponsorship, regulatory compliance, and fraud management provided out of the box. Solid targets early-stage fintech startups and non-financial software companies adding financial features who need to move quickly without building financial infrastructure from scratch. The company's pay-per-API-call model enables usage-based pricing that scales with customer growth. Founded in 2021, Solid raised over $63M from investors including FTV Capital, Headline, and Commerce Ventures. The company serves hundreds of fintech companies and competes with Unit, Treasury Prime, and Bond in the BaaS and embedded finance market.

## Frequently Asked Questions

### How fast can a company launch a banking product with Solid?
Solid provides pre-configured APIs and front-end components that enable companies to launch a working banking product — with real accounts, cards, and transfers — in days rather than the months required to build bank partnerships and compliance infrastructure independently.

### What does Solid Financial Fintech-as-a-Service platform offer?
Solid Financial provides a comprehensive fintech-as-a-service platform that enables companies to embed financial products — including FDIC-insured bank accounts, debit cards, credit cards, ACH payments, and wire transfers — into their applications through a unified API. It abstracts the banking infrastructure, compliance, and bank partnerships behind a single developer-friendly interface.

### How is Solid priced?
Solid uses a combination of monthly platform fees and per-transaction fees depending on the financial products used. Revenue-sharing arrangements on interchange and interest income may be available for certain program types. Pricing is negotiated based on product mix and expected volume.

### Who are Solid target customers?
Solid targets startups, fintech companies, software platforms, and enterprise companies wanting to embed financial services into their products without building banking infrastructure from scratch. Vertical SaaS companies looking to monetize financial services for their customers are a core segment.

### How does Solid compare to Unit and Treasury Prime?
Solid, Unit, and Treasury Prime all operate in the banking-as-a-service space. Solid differentiates by offering both debit and credit card programs on a single platform and has positioned itself as a more comprehensive fintech-as-a-service stack for companies wanting to build broader financial product suites.

### What compliance and regulatory support does Solid provide?
Solid manages KYC/AML compliance, card program compliance, banking regulatory requirements, and partner bank oversight on behalf of its clients. This compliance infrastructure allows companies to launch regulated financial products without building a compliance team or obtaining their own banking licenses.

### What banking partners does Solid work with?
Solid partners with FDIC-insured US banks to hold customer deposits and issue cards, enabling its clients to offer bank-grade financial products under those banking licenses. These partnerships are fundamental to Solid ability to provide regulated financial services through its API.

### What recent milestones has Solid Financial achieved?
Solid raised $63 million in Series B funding in 2022 and expanded its product capabilities including credit card program support and enhanced API features. The company faced industry-wide challenges in the BaaS space as regulators increased scrutiny of fintech-bank partnerships but continued developing its product platform.

## Tags

fintech, api-first, saas, b2b, startup, platform, payment-processing

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*