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Security report for solarisgroup.com

Solarisbank AG · Finance · Germany

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

80/100

Risk levelLow

0–100, higher is better. How it is calculated

Solarisbank AG operates as a leading embedded finance platform in Europe, providing a comprehensive Banking-as-a-Service solution that enables businesses to integrate digital banking, payments, lending, and identification services via advanced APIs. The company holds a full German banking license, allowing it to operate across the EU with a strong compliance and regulatory framework. Solarisbank's market position is reinforced by partnerships with notable clients such as American Express and Tomorrow, and a clear focus on customer-centric financial product innovation. Technically, Solarisbank employs modern web technologies including React and Gatsby, hosted on AWS infrastructure, with a cloud-based banking platform emphasizing scalability and international expansion. The website demonstrates good performance, mobile optimization, accessibility, and SEO practices, supported by a robust API-driven backend. From a security perspective, Solarisbank maintains a valid SSL certificate, enforces HSTS with preload, and implements SPF DNS records. However, the absence of enabled TLS 1.2 or higher protocols and lack of DNSSEC and CAA records present areas for improvement. The company provides clear privacy policies, cookie consent mechanisms, and incident response contact channels, reflecting a mature security posture. Overall, Solarisbank presents a high-trust, professional digital presence with strong business and technical foundations. Strategic enhancements in security protocols and transparency around vulnerability disclosures would further strengthen its risk profile and customer confidence.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
75
Security headers
80
Email security
95
DNS health
85
Network security
100
GDPR outside view
43
Average
80

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Solarisbank AG is positioned as a dominant player in the embedded finance sector within Europe, leveraging its full banking license to offer a wide range of financial services through APIs. Its business model focuses on B2B2X, enabling partners to brand and customize banking products while Solarisbank handles regulatory and operational complexities. The company targets technology firms, fintechs, and enterprises seeking to embed financial services seamlessly. Its partnership ecosystem includes high-profile clients and a broad service portfolio covering digital banking, payments, lending, and KYC solutions. Growth indicators include extensive service offerings, a cloud-native platform, and a strong compliance framework. Solarisbank's operations are centralized in Germany, with a large organizational size and a focus on innovation and customer loyalty.

Security posture

Solarisbank demonstrates a solid security maturity level with key strengths including a valid SSL certificate, HSTS enforcement with preload, and SPF DNS records to prevent email spoofing. The presence of named compliance and money laundering reporting officers with accessible contact forms indicates a strong governance and incident response culture. The cookie consent mechanism and privacy policy align with GDPR requirements, reflecting good data protection practices. However, the lack of enabled TLS 1.2 or higher protocols, absence of DNSSEC, and missing CAA records highlight potential compliance gaps and technical vulnerabilities. No known SSL vulnerabilities were detected. The company lacks a publicly visible vulnerability disclosure or security.txt file, which could improve transparency and security culture. Overall, Solarisbank maintains a good security posture but should address protocol support and DNS security enhancements.

Recommendations

  1. Enable TLS 1.2 and TLS 1.3 protocols to ensure secure communications and compliance with modern security standards.
  2. Implement DNSSEC to protect DNS integrity and prevent spoofing attacks.
  3. Add CAA DNS records to restrict certificate issuance to authorized certificate authorities.
  4. Publish a security.txt file to facilitate responsible vulnerability disclosure and improve security transparency.
  5. Regularly review and update security headers and cookie consent mechanisms to maintain compliance and user trust.

Contact details published on the site

Addresses
Legal name
Solarisbank AG
Technical notes

Notes

The website is built using React and Gatsby, indicating a modern, performant frontend framework optimized for SEO and user experience. Hosting is provided via AWS, as inferred from DNS nameservers. The platform uses RESTful APIs for banking services, emphasizing scalability and cloud-native architecture. Performance metrics indicate moderate load times with a substantial page size and resource count, suggesting opportunities for optimization. Accessibility and mobile optimization are good, supporting a wide user base. The technical stack is well-suited for rapid development and international expansion but requires updates to security protocols and DNS configurations to mitigate risks and align with best practices.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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