# Solaris API Reference

Welcome to the Solaris API reference. This documentation provides the technical specifications for every endpoint, schema, and webhook, generated directly from our OpenAPI definitions.

## Environments

Configure your client to target the correct environment.

| Environment | Base URL | Description |
|  --- | --- | --- |
| **Sandbox** | `https://api.solaris-sandbox.de` | Use for development and integration testing. |
| **Production** | `https://api.solarisbank.de` | Live environment for real-money transactions. |


## Core resources

Foundational concepts required to interact with any Solaris API.

Authentication
Learn how to obtain and manage OAuth access tokens.

Errors
Standardized error codes and troubleshooting steps.

Webhooks
Real-time notifications for critical events like 3DS authorizations and status updates.

Requests & Responses
Standard headers, pagination, and filtering rules.

Breaking Changes
Policy on backward compatibility, deprecation periods, and non-breaking updates.

Standards
Data formats for dates, currency, and countries.

## Endpoint domains

Browse endpoints by product capability.

### Onboarding

Create customers and ensure compliance before opening accounts.

Persons & Businesses
Create natural persons, legal entities, and authorized representatives.

Identification (KYC)
VideoIdent, Bankident, and Fourthline integration endpoints.

Account Creation
Initial setup for B2B and B2C accounts.

Device Management
Bind customer devices for SCA challenges.

### Banking & Cards

The core ledger and payment operations.

Digital Banking
Manage accounts, balances, and statements.

SEPA Transfers
SCT, SDD, and Instant payments.

Cards
Card issuance, lifecycle management, and tokenization.

Transactions
Bookings history and Viacash (Cash Operations).

### Lending

Consumer and business financing products.

Loans
Consumer loan lifecycle management.

Overdrafts
Credit facilities for current accounts.

Splitpay
Buy Now, Pay Later (BNPL) functionality.