# Swan

**Canonical:** https://apis.io/providers/swan-io/  
**Website:** https://www.swan.io  
**APIs profiled:** 7

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.

## Kin Score — 30.7 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 30.7).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 37.2 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 35.7 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 18.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (7)

- **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...

## Security (2)

- **Swan Io Authentication** — oauth2/http · 3 schemes
- **Swan Io Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Swan Io Plans Pricing**

## Tags

Embedded Banking, Banking as a Service, BaaS, Payments, Account, Cards, IBAN, SEPA, Europe, France, Fintech, GraphQL

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/swan-io/). Scores are computed from the provider's own public artifacts under a published rubric.