you can rent a licence, there are many banks doing that in EU. I think you need to do a better research..
Can you expand on this? Never heard of this but I'm not super involved in fintech/banking. Something like Solarisbank?
However, in the EU there are a few other banks to try [1], [2].
In the US, you could try [3].
There's also companies which partner with multiple banking services to provide a cohesive offering [4], [5].
For anyone wanting to do this, here's two issues that I have found.
1) If you don't have banking licenses, the conversation will stop abruptly. Even if they advertise that they may work with you from their website. It's a big hurdle.
To overcome that, I know of 1 company that may help [6]. If anyone knows of any more, please reply.
2) It's rare to talk to VP/Management level operatives, which is where you want to be. Unless you manage to dig out the CEO/COO email and contact them directly. Going from the bottom (contact us form) upwards just means you'll end up speaking to a Z level employee who doesn't know the banking business at all.
Disclaimer: I've contacted over 100 fintech companies. The whole state of affairs is pretty bad. It's improving, but won't be there until 2020 at least.
[0]: https://blog.faisalkhan.com/money-transmitter-license-applic...
[3]: https://www.crossriverbank.com