Solaris vs Visa
Side-by-side comparison of AI visibility scores, market position, and capabilities
Solaris is a Berlin-based Banking-as-a-Service platform holding a full German banking license; serves European fintechs with embedded finance APIs; pivoting to become Europe's first "AI-native bank" with majority shareholder SBI Group (Tokyo);
About
Solaris is a German Banking-as-a-Service (BaaS) company founded in 2016 and headquartered in Berlin, Germany. Licensed as a full credit institution under German banking law, Solaris provides an API-based embedded finance infrastructure that allows non-bank companies — fintechs, corporates, and digital platforms — to offer regulated financial products without obtaining their own banking license. Core offerings include digital accounts, cards-as-a-service, lending APIs, payment processing (including instant SEPA), and Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance tooling. Notable clients include ADAC and Boerse Stuttgart Group.
NYSE: V global payments network at $35.93B FY2024 revenue with 4.48B cards and $15T+ annual volume; 52.2% credit card market share with 233.8B transactions competing with Mastercard and A2A payment rails.
About
Visa Inc. is a San Francisco-based global payments technology company — listed on NYSE (NYSE: V) — operating the world's largest electronic payment network connecting 4.48 billion active cards, 150+ million merchant locations, and 15,000+ financial institution partners across 200+ countries and territories, facilitating $15+ trillion in payment volume annually. Visa generated $35.93 billion in net revenues in fiscal year 2024 (+10% year-over-year) with $19.7 billion in net income (55% net margin) from payment volume fees, data processing fees, and international transaction fees — without issuing a single credit card or carrying any credit risk. Founded in 1958 as the BankAmericard program and reorganized as Visa Inc. through a 2008 IPO, Visa is the infrastructure provider that enables the global credit and debit card ecosystem to function: every Visa card issued by Citibank, Chase, HDFC, or 15,000 other banks worldwide runs on Visa's authorization, clearing, and settlement network.
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