Swan · FinOps Profile

Swan Io Finops

FinOps view of Swan spend. As a Banking-as-a-Service provider, Swan bills partners under a negotiated contract rather than a public usage meter: a platform/subscription fee plus per-unit banking fees driven by the number of active accounts, issued cards, and SEPA transactions processed, offset in some deals by a share of card interchange. Because rates are contractual, cost allocation depends on tagging Swan usage (accounts, cards, payments) back to the internal product or customer segment that drove it.

Swan Io Finops is the FinOps profile for Swan on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 5 billable meters, billed in EUR, on a monthly cycle, and pricing category contract-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Embedded Banking, Banking as a Service, BaaS, Payments, and Cards.

Category: Financial Services Pricing: Contract-Based Billing: Monthly FOCUS v1.3
Embedded BankingBanking as a ServiceBaaSPaymentsCardsFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
EUR
ChargeCategory
Usage
InvoiceIssuerName
Swan
PricingCategory
Contract-Based
ProviderName
Swan
PublisherName
Swan
ServiceCategory
Financial Services
ServiceName
Swan Embedded Banking

Meters

platform_fee
Unit: months
Recurring platform / subscription fee for the partner agreement.
active_accounts
Unit: accounts
Number of active accounts, a primary per-unit cost driver.
issued_cards
Unit: cards
Number of issued virtual and physical cards billed per card.
sepa_transactions
Unit: transactions
SEPA credit transfers and direct debits processed, billed per transaction.
interchange_share
Unit: EUR
Card interchange revenue share (a credit/adjustment against fees in some deals).

Sources