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APIs · head to head

Moesif vs Solaris

Moesif logo

Moesif

APIs

API analytics and monitoring platform for tracking API usage and customers

From
Free
Rated
-
Full reviewWebsite
Solaris logo

Solaris

APIs

German banking as a service with a full banking licence and a live regulatory problem

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Moesif has a free tier, so it costs nothing to try first.
  • Each has a real cost: Moesif free tier is aimed at hobbyists and small projects, limiting scale before paid usage-based pricing applies.; Solaris baFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • They diverge on capability: Moesif covers API traffic monitoring, Solaris covers German banking licence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moesif and Solaris actually diverge.

Attributes where Moesif and Solaris differ
AttributeMoesifSolaris
Starting priceFreeOn request
Pricing modelusage-basedquote
Free tierYesNo

Identical on both: platforms (web, api), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Moesif

  • API traffic monitoring
  • Customer-level analytics
  • Error tracking
  • Usage-based billing support
  • Alerting
  • SDK and integration library

Only in Solaris

  • German banking licence
  • IBAN accounts
  • Card issuing
  • Lending as a service
  • Digital assets and custody
  • SEPA payments
  • KYC and onboarding
  • Deposit protection

What people use each for

The jobs each tool is most often brought in to do.

Moesif

  • Monitoring API traffic and errors in productionnot Solaris
  • Understanding customer-level API usage patternsnot Solaris
  • Powering usage-based billing and monetizationnot Solaris
  • Alerting on anomalous API behaviornot Solaris

Solaris

  • A retailer or platform launching a German current account or card product without applying for its own licencenot Moesif
  • A fintech that needs deposit taking and lending, which an e-money licence cannot providenot Moesif
  • A European business needing German IBANs because customers reject foreign IBANs for salary and direct debitnot Moesif
  • A company requiring German statutory deposit protection on customer balances as a product claimnot Moesif

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Moesif

  • Free tier is aimed at hobbyists and small projects, limiting scale before paid usage-based pricing applies.
  • Usage-based pricing on the Growth tier can make costs less predictable at high event volumes.
  • Requires instrumenting APIs with SDKs, adding setup overhead compared to zero-config tools.
  • Focused specifically on API analytics rather than full API gateway or design functionality.

Solaris

  • BaFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • BaFin fined Solaris EUR 6.5 million in March 2024 for systematically late suspicious activity reports and EUR 500,000 for breaching large exposure limits between January 2022 and March 2024, which is a track record a partner inherits reputationally.
  • Solaris has previously needed BaFin approval before onboarding new corporate clients, which can turn a commercial decision to launch into a regulatory timetable outside your control.
  • The 2024 restructuring involved job cuts and the closure of parts of a business unit, so product lines a partner depends on may not have the engineering behind them that the sales process implies.
  • SBI Holdings acquired majority control in 2025, so strategic direction now sits with a Japanese financial group whose priorities for the European business may differ from the roadmap you were sold.

Pricing, plan by plan

Moesif

Free
  • FreeFree
    • For hobbyists and small projects
    • Core API analytics features
  • Growth$undefined/month
    • Usage-based pricing by event volume
    • Full analytics and monitoring feature set

Solaris

On request
  • Solaris banking as a service$undefined/year
    • Quoted per partner, typically setup fee plus monthly platform fee
    • Per account, per card and per transaction charges on top
    • Interchange sharing arrangements negotiated per programme

Which should you pick?

Choose Moesif if

  • You need api traffic monitoring.
  • You want to start without paying.
  • You work on web, api.
  • You also want customer-level analytics.
Moesif review

Choose Solaris if

  • You need german banking licence.
  • You work on Web, API.
  • You also want iban accounts.
Solaris review

Questions people ask

Is Moesif or Solaris better?
Neither clearly leads. Moesif starts at Free and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moesif or Solaris?
Moesif has a free tier; the other does not. Paid plans start at Free for Moesif and On request for Solaris.
Does Moesif or Solaris run on more platforms?
Moesif runs on web, api. Solaris runs on Web, API.
Can I use Moesif for free?
Yes. Moesif has a free tier, so you can try it without paying. Solaris starts at On request.
What is Moesif best used for?
Moesif is most often used for monitoring api traffic and errors in production, understanding customer-level api usage patterns, powering usage-based billing and monetization, alerting on anomalous api behavior. Of those, monitoring api traffic and errors in production and understanding customer-level api usage patterns are not what Solaris is typically brought in for.
What can Moesif do that Solaris cannot?
Moesif covers API traffic monitoring, Customer-level analytics, Error tracking, Usage-based billing support. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

Answered from the vendors’ own pages

Moesif: Is there a free plan for Moesif?

Moesif offers a free tier aimed at hobbyists and small projects; after a 14-day trial with full Growth-tier features and 10,000,000 events, accounts move to the free plan.

Source
Solaris: Does Solaris have a real banking licence?

Yes. Solaris SE is a German credit institution, which is why it can offer deposits and lending, unlike e-money based competitors.

Moesif: How is usage metered?

Moesif's Growth tier is priced based on the volume of API events processed, supporting usage-based billing use cases for API providers.

Source
Solaris: Is the BaFin action still live?

The special representative appointed in 2022 had the mandate extended in July 2024, and fines were issued in March 2024. Treat supervisory oversight as an active condition in your diligence.

Moesif: Can I try Moesif's paid features first?

New accounts get a 14-day trial with full access to Growth-plan features and a large event allowance before being converted to the free plan if not upgraded.

Source
Solaris: Who owns Solaris now?

SBI Holdings of Japan agreed in December 2024 and January 2025 to take a majority stake of over seventy per cent for around EUR 100 million.

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