Empowering new financial players with banking as a platform

_Marko Wenthin (Member of the board)

_EMERCE eFinancials

_13.12.2016

solarisBank aims to be the next Stripe in banking

Scalable Banking-as-a-Platform

Tech Company with a banking license – developer focused

Fast integration of partners and new products

Full banking services for B2B2X – e.g. digital banking, escrow,

loans/savings

APIs

partners

end customers

API API approach: our partners can

connect to our open APIs to access

banking, payment and value-added

state-of-the-art services

neutral strict neutrality: we are the first

platform for FinTechs & e-businesses

with a neutral B2B2C-approach

speed & flexibility

speed and flexibility: our products are

easy to integrate, allowing for fast go-

to-market and customizable, thanks

to modularity

Together we are shaping the future of banking and financial services

solarisBank’s Trusted Banking Platform

connects partners with the world of banking

and financial services:

Modular approach fits diversity of partner business models

E-Money bundle

Credit bundle

Accounts bundle

Savings bundle

E-money

license Trx Accounts

KYC Entity Electr.

Sign. Trx Accounts

KYC Entity Scoring Electr.

Sign. Trx Accounts

KYC Entity Electr.

Sign. Trx Accounts Cards

Accounts Trx

License

umbrella

Risk &

Lending

Cards

KYC

processes

Add-On’s, e.g.

• Partner interface

• 3rd Party Apps

Other services

modular services overview

solarisBank components are combinable to respond to business needs of

diversified portfolio of partners:

• Full flexibility for Partners due to modular services

• Adding other & new services is always possible at low cost & low

complexity

Credit Solution

Accounts Transactions Electronic

Signature Scoring

Identification /

KYC

Type: Credit Type: Natural

Person Type:

SEPA Credit

SEPA Debit

Credit bureau

Categorization

Type:

e.g. Video

Identification

Type:

eSigning

Entities

Credit bundle

Mobile only // media break free

Type: Deposit

Deposit Solution

Potentially for Neobanks or fintechs such as Savedo

solarisBank platform is revenue generating and scalable in 3 verticals

Digital Banking E-Money Loans/Savings

• E-Money solutions for

prepaid card businesses

• enabling internalization of

partners through e-

money licensing

• mobile banking solutions

• first digital banking

platform for freelancers in

Germany

• first end-to-end online

consumer loan in

Germany

• deposits – collection of

funds

We strongly believe in the Banking-as-a-Platform´s B2B2X approach

White Label

Solution

Challenge

r

Banks

Banking-as-a-

Platform

1:1 legal

relationship,

old banking systems

banking license

without scalability,

B2C-based

scaling of banking license

through a network such as

Amazon/Stripe

n : n

Multiplier Effect

Product

based

scalability

business relationship

s

3rd party

integration

Mo

du

lari

t

y

X

X

✓

✓

Neo

Banks

frontend solution

without banking

license

API

Banking

1:1 relationship,

without banking

license

1:1 business relationship & no scalability

Mostly B2C B2B2X

5

new

partners

new

partners

# end-

customer

t1

direct

end-customer

partner

# end-

customer

t1 t2 t3 t2 time time

Neo & Challenger Banks

t3

Banking-as-a-

Platform

New partners + partners’ end-customers growth = exponential growth

50% of all cost =

Customer Acquisition Cost

Customer Acquisition

Cost almost zero

6

EU regulation front running on developments for other markets

2011 2013 2014 2015 2016

Increasing

Regulatory

Pressure

2017

AiFMD

EMIR

Basel III

CRD IV

Volcker

MIFID II

BRRD

Solvency II

PSD 2

SEPA 2.0

eiDAS

PAD

Regulation

Supporting Digital

Businesses is

Increasing

Regulation

Enabling

Digitization

Accelerating

Technological

Revolution

1 license

30+ passporting

in Europe

5 E-money

passportings

done

One banking license - Access to 30+ EU markets

• EU-passporting into 30+ European countries

• Enabling Partners to realize their geographic

business expansion immediately

• Well prepared for country-specific requirements

due to high regulatory standards in Germany

• Further internationalization possible through

branches and correspondent banks

Use Case

solarisBank Rapid Credit

Several partners in

testing and closed

beta

Live with e.g.

Fast loan origination

Digital loan application

Real-Time money transfer

after loan origination

Based on algorithmic scoring

Digital Loan Product of solarisBank

Effective work flow and partnerships in the background

Tech Infrastructure

solarisBank

Digital Account

Check

FinTecSystems

Credit Check

Schufa/DMA

Identity Check

IDNow/PostIdent

Scoring

solarisBank

& partner

Participation Loan

E-Signature

IDNow

Fully Digital solarisBank Layer

Exceptional User Experience

7 minutes from the choice to get a

loan until the loan approval

and contract signature

12/14/2016 15

Strictly Confidential

Empowering Finance Pioneers

Marko Wenthin

Member of the board

Tel.: +49 173 609 4793

marko.wenthin@solarisbank.de