BBVA

Democratizing financial technology with a suite of API-based solutions

FinTech Infrastructure

Solaris (formerly known as Solarisbank) offers a banking-as-a-service (BaaS) platform through a set of APIs (over 400 as of July 2023) for FinTech developers to build consumer products. Solaris offers a range of banking services, such as digital banking and card management, lending services, payments, and know-your-customer (KYC) solutions. It also offers a digital assets infrastructure platform to embed scalable crypto services for end-users, and <a href="https://sp-edge.com/updates/9313">security brokerage tools </a>for on-exchange and off-exchange trading.The company acquired <a href="https://sp-edge.com/updates/4478">peer BaaS platform provider Contis </a>in July 2021, for an undisclosed sum (subsequently approved by regulators in January 2022). Solaris intended to leverage the acquisition to spread its operations further across Europe and enter Asia.Key customers and partnershipsAs of July 2021, Solaris worked with around 50 companies, which included challenger banks, business banking providers, trading apps, and crypto startups, among others. In December 2020, Solaris became the first German bank to migrate its core banking system, digital products, and databases to the cloud. The company claimed to be growing at 40-60% annually as of July 2021, and managed around 2 million end customer accounts.<a href="https://sp-edge.com/updates/7143">Solaris partnered with viafintech GmbH </a>(a subsidiary of British payments platform Paysafe), a barcode-based payment infrastructure provider, in December 2021, to expand its digital banking infrastructure. Through the partnership, Solaris’s user were able to provide end customers with over 20,000 cash deposit and withdrawal points across Europe.Solaris’ net revenues reportedly grew 30% YoY in 2022 to reach EUR 130 million (USD 143.3 million); however, it was yet to turn profitable (having experienced a EUR 56 million [USD 61.8 million] loss).&nbsp;&nbsp;

Solarisbank is a Banking-as-a-Service platform. As a technology company with a full German banking license, Solarisbank enables other companies to offer their financial services. Via APIs, partners integrate Solarisbank's modular banking services directly into their product offerings. The platform offers digital bank accounts and payment cards, identification and lending services, digital asset custody as well as services provided by integrated third-party providers. To date, Solarisbank has raised more than EUR 160 million from a bluechip shareholder base, including ABN AMRO’s Digital Impact Fund, BBVA, finleap, Global Brain, HV Holtzbrinck Ventures, Lakestar, Samsung Catalyst Fund, SBI Group, Storm Ventures, Visa, Vulcan Capital, and yabeo Capital.

Greenspark incentivises and inspires companies to take action on environmental and social issues around the world. At a time when consumer and employee demand for action on climate change and social injustice is at an all-time high, we're giving businesses the tools they need to do something about it. Our Impact-as-a-Service Platform allows companies to create positive impact at key business touchpoints, track it in an easily digestible way, and then communicate it effectively with their customer base, site visitors and key stakeholders. The results are great for the planet, great for their brand image, and great for their bottom line.

Empresas Públicas de Medellín  provides public energy, aqueduct, sanitation, and natural gas services. They are to work for the development of the territories. They believe in the power of innovation to transform lives. They are committed to the renewable energy revolution.

Rize accelerates the transition of agriculture from a net carbon emitter to a carbon sink by leveraging tech and carbon credit mechanisms. By generating carbon credits on behalf of farmers who adopt sustainable practices, the company supports the transition toward greener agriculture and provides an additional revenue stream for regenerative farms.

Opdenergy is a renewable energy company specializing in solar photovoltaic and onshore wind energy. Opdenergy has over 15 years of expertise and a diverse portfolio of projects in various renewable technologies.

CityFibre operates as an independent provider of fiber infrastructure in secondary cities. It develops a digital infrastructure that allows wholesale customers to offer broadband, ethernet, and 5G services to homes and businesses.

Vitro manufactures and sells glass products. It operates in two segments, glass containers, and flat glass. the glass containers segment offers glass containers for the fragrances, cosmetics, and pharmaceuticals markets; provides precision components; supplies raw materials, and develops machinery and molds for the glass industry. the flat glass segment offers flat glass products for the construction and automotive industries in the original equipment and automotive glass replacement markets; and provides carbonate and sodium bicarbonate.

Wiserentr offers a renting service for brand new consumer technology, integrating a renting button at the checkout of existing e-commerce and mobile telcos. The decision is instantaneous. It represents the cheaper and most convenient option for consumers to access new technology. Wiserentr also controls the devices through their lifetime, managing subsequent renting cycles as used products through its own website. Wiserentr measures and certifies the savings in carbon emissions thanks to the circular economy it contributes to create.

Cemex produces, distributes, and sells cement, clinker, ready-mix concrete, aggregates, concrete blocks, roof tiles, concrete pipes, and related building materials.

Wollit is the award-winning credit building app that helps you build your credit effortlessly, so you can get approved for the things you want at the best rates possible. We’ve supported thousands of people across the UK to build better credit and unlock the financial opportunities most important to them. We’ve also won the AltFi Festival of Finance, have been voted Best UK Credit Builder by the Ethical Finance Awards 2024, and Credit Building Experts by the Worldwide Finance Awards 2024. We’re supported on our journey by world-class investors and one of the world’s largest banks.

A fast-growing, award-winning FinTech pioneering collaborative savings circles to help people all over the world reach their financial goals.  For individuals: In the UK we offer products to help people raise money for their property deposit, getting married, starting a family, paying for education, cosmetic surgery and paying off debt. Check out: https://www.joinstepladder.com/  For companies: You can now white-label our Savings Circles and offer them to your customers and potential customers to increase you market share, improve retention, enhance engagement and generate revenue Read more here: https://www.step-ladder-solutions.com/  For Investors: StepLadder is leading the way in the new global category of digital Collaborative Finance. Savings Circles transactions total more than $500 billion worldwide, and 40% of consumers in more than 90 countries around the world use offline and informal ROSCAs. The opportunity is huge. The impact we have on people’s lives is real.

PrivacyCloud is a new way of interacting with customers, with users having the power over information that they give to companies. This is a great competitive advantage, since consumers will choose companies that offer them more control over their data and respect their privacy.

BBVA provides consumer, corporate, small-company banking, and financial security investment services. The company was established in 1968 and is based in Panama City, Panama.

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