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 Account.

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

🌐 Visit website 📡 Source on GitHub

30.7/100 thin ▬ flat Agent 18/100 agent aware saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessFreeSelf serve⚡ Free to try

7 APIs

Embedded Banking Banking as a ServiceBaaSPayments Account Cards IBAN SEPA Europe France Fintech GraphQL

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 30.7/100 · thin

Contract Quality 7.9 / 21

Developer Ergonomics 6.1 / 17

Access Clarity 4.9 / 17

Operational Transparency 2.6 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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.

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.

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

Website

Website

Blog

Blog

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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
- Account
- Cards
- IBAN
- SEPA
- Europe
- France
- Fintech
- GraphQL
tags_raw:
- 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: '0.23'
apis:
- aid: swan-io:swan-io-accounts-api
  name: Swan Accounts API
  tags:
  - Account
  - Account Holders
  - IBAN
  tags_raw:
  - 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
  - User
  tags_raw:
  - 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:
  - Transaction
  - Statements
  - Ledger
  tags_raw:
  - 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:
  - User
  - Consents
  - Authorization
  tags_raw:
  - 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

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Swan

Kin Score

APIs 7

Swan Accounts API

Swan Account Memberships API

Swan Cards API

Swan Payments API

Swan Transactions API

Swan Onboarding API

Swan Users and Consents API

Open Collections 1

Swan Partner API (GraphQL)

Pricing Plans 1

Swan Io Plans Pricing