Swan

Swan is a European embedded-banking / Banking-as-a-Service (BaaS) platform, headquartered in France, that lets companies embed accounts, IBANs, cards, and SEPA payments into their own products. Swan holds an Electronic Money Institution (EMI) license and exposes a single GraphQL API covering accounts, account holders, account memberships, IBAN management, card issuing, transactions, SEPA credit transfers and direct debits, digital onboarding, users, and consents. Integrations are backend-only, authenticated with OAuth2 (client credentials for server-to-server and authorization code for user access tokens) and scoped to a partner Project, with separate Sandbox and Live environments.

Swan publishes 7 APIs on the APIs.io network, including Accounts API, Account Memberships API, Cards API, and 4 more. Tagged areas include Embedded Banking, Banking as a Service, BaaS, Payments, and Accounts.

Swan’s developer surface includes authentication, documentation, engineering blog, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
29.8/100 thin ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessFreeSelf serve⚡ Free to try
7 APIs
Embedded BankingBanking as a ServiceBaaSPaymentsAccountsCardsIBANSEPAEuropeFranceFintechGraphQL

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 29.8/100 · thin
Contract Quality 10.8 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 28/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/swan-io: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Swan Accounts API

Create and manage bank accounts and their account holders through the GraphQL Partner API - open accounts, read balances and status, and access the IBAN and BIC distributed to e...

Swan Account Memberships API

Bind users to accounts and manage their permissions. Mutations include addAccountMemberships (add up to 200 memberships with a single consent), bindAccountMembership, suspendAcc...

Swan Cards API

Issue and manage virtual and physical payment cards attached to account memberships. The addCards mutation adds up to 200 cards (including physical printing) with a single conse...

Swan Payments API

Initiate and track SEPA payments. The initiateCreditTransfers mutation sends SEPA Credit Transfers, including SEPA Instant Credit Transfers via the isInstant flag; direct-debit ...

Swan Transactions API

Read the transaction ledger for an account - list and filter transactions through Relay-style connections, inspect their status (Pending, Booked, Rejected, Canceled), amounts, c...

Swan Onboarding API

Onboard individual and company account holders before they have a session. Started against the Unauthenticated GraphQL endpoint, onboarding mutations create and update an onboar...

Swan Users and Consents API

Read users and drive Swan's strong-customer-authentication consent flow. Sensitive mutations (adding memberships, issuing cards, initiating payments) return a consent that the u...

Scroll for all 7

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Swan Partner API (GraphQL)

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Swan Io Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Swan Io Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Swan Io Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Swan Io Authentication

oauth2/http · 3 schemes

SECURITY

Swan Io Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: swan-io
url: https://raw.githubusercontent.com/api-evangelist/swan-io/refs/heads/main/apis.yml
name: Swan
kind: company
description: Swan is a European embedded-banking / Banking-as-a-Service (BaaS) platform, headquartered in France, that lets
  companies embed accounts, IBANs, cards, and SEPA payments into their own products. Swan holds an Electronic Money Institution
  (EMI) license and exposes a single GraphQL API covering accounts, account holders, account memberships, IBAN management,
  card issuing, transactions, SEPA credit transfers and direct debits, digital onboarding, users, and consents. Integrations
  are backend-only, authenticated with OAuth2 (client credentials for server-to-server and authorization code for user access
  tokens) and scoped to a partner Project, with separate Sandbox and Live environments.
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/swan-io.png
tags:
- Embedded Banking
- Banking as a Service
- BaaS
- Payments
- Accounts
- Cards
- IBAN
- SEPA
- Europe
- France
- Fintech
- GraphQL
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.19'
apis:
- aid: swan-io:swan-io-accounts-api
  name: Swan Accounts API
  tags:
  - Accounts
  - Account Holders
  - IBAN
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/services/accounts
  baseURL: https://api.swan.io/live-partner/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Create and manage bank accounts and their account holders through the GraphQL Partner API - open accounts,
    read balances and status, and access the IBAN and BIC distributed to each account. Queries include account and accounts;
    mutations cover account creation and updates. Scoped to a partner Project and authenticated with an OAuth2 access token.
- aid: swan-io:swan-io-account-memberships-api
  name: Swan Account Memberships API
  tags:
  - Account Memberships
  - Permissions
  - Users
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/services/account-memberships
  baseURL: https://api.swan.io/live-partner/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/mutations/resume-account-membership/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Bind users to accounts and manage their permissions. Mutations include addAccountMemberships (add up to 200
    memberships with a single consent), bindAccountMembership, suspendAccountMembership, and resumeAccountMembership. Membership
    permissions govern who can view the account, initiate payments, and manage cards.
- aid: swan-io:swan-io-cards-api
  name: Swan Cards API
  tags:
  - Cards
  - Card Issuing
  - Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/services/cards
  baseURL: https://api.swan.io/live-partner/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Issue and manage virtual and physical payment cards attached to account memberships. The addCards mutation
    adds up to 200 cards (including physical printing) with a single consent; further mutations activate, suspend, and cancel
    cards and set spending limits. Card details are accessed through the digital card query surface.
- aid: swan-io:swan-io-payments-api
  name: Swan Payments API
  tags:
  - Payments
  - SEPA
  - Credit Transfer
  - Direct Debit
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/services/payments
  baseURL: https://api.swan.io/live-partner/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Initiate and track SEPA payments. The initiateCreditTransfers mutation sends SEPA Credit Transfers, including
    SEPA Instant Credit Transfers via the isInstant flag; direct-debit mutations set up mandates and collect SEPA Direct Debits.
    Payments group into consents that the account holder must approve before execution.
- aid: swan-io:swan-io-transactions-api
  name: Swan Transactions API
  tags:
  - Transactions
  - Statements
  - Ledger
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/services/transactions
  baseURL: https://api.swan.io/live-partner/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Read the transaction ledger for an account - list and filter transactions through Relay-style connections,
    inspect their status (Pending, Booked, Rejected, Canceled), amounts, counterparties, and the payment or card that produced
    them. Read-only query surface over the account transaction history.
- aid: swan-io:swan-io-onboarding-api
  name: Swan Onboarding API
  tags:
  - Onboarding
  - KYC
  - Account Opening
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/services/onboarding
  baseURL: https://api.swan.io/live-unauthenticated/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Onboard individual and company account holders before they have a session. Started against the Unauthenticated
    GraphQL endpoint, onboarding mutations create and update an onboarding, attach supporting documents, and finalize it -
    triggering KYC/KYB verification and, on approval, IBAN distribution (typically within 10 minutes of ID verification).
- aid: swan-io:swan-io-users-consents-api
  name: Swan Users and Consents API
  tags:
  - Users
  - Consents
  - Authorization
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.swan.io/api/consent
  baseURL: https://api.swan.io/live-partner/graphql
  properties:
  - url: https://docs.swan.io/developers/
    type: Documentation
  - url: https://api-reference.swan.io/
    type: APIReference
  - url: graphql/swan-io.graphql
    type: GraphQL
  - url: collections/swan-io.postman_collection.json
    type: PostmanCollection
  - url: collections/swan-io.opencollection.json
    type: OpenCollection
  description: Read users and drive Swan's strong-customer-authentication consent flow. Sensitive mutations (adding memberships,
    issuing cards, initiating payments) return a consent that the user must approve via a Swan-hosted consent URL before the
    operation executes. Queries expose the current user and consent status.
common:
- type: DomainSecurity
  url: security/swan-io-domain-security.yml
- type: Authentication
  url: authentication/swan-io-authentication.yml
- type: GitHubOrganization
  url: https://github.com/swan-io
- type: LinkedIn
  url: https://www.linkedin.com/company/swanio
- type: Website
  url: https://www.swan.io
- type: Documentation
  url: https://docs.swan.io
- type: Plans
  url: plans/swan-io-plans-pricing.yml
- type: RateLimits
  url: rate-limits/swan-io-rate-limits.yml
- type: FinOps
  url: finops/swan-io-finops.yml
- url: https://www.swan.io/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com