Swan

Swan is a European banking-as-a-service (BaaS) and embedded-finance platform that lets software companies embed banking features -- business accounts with native IBANs, physical and virtual card programs, SEPA payments, direct debits, and white-labelled onboarding -- directly into their products through a single GraphQL API. Swan operates as a licensed electronic money institution authorised by France's ACPR (identifier 86245); client deposits are safeguarded with BNP Paribas and covered by the French FGDR deposit guarantee. Developers integrate via an OAuth 2.0 protected Partner GraphQL API (sandbox and live), a Testing API and Event Simulator for end-to-end sandbox testing, webhooks for external events, and first-party React/React Native tooling. Swan has issued over one million cards and serves platforms across accounting, treasury, proptech, HR-tech and travel.

Swan publishes 1 API on the APIs.io network. Tagged areas include Company, Banking as a Service, Embedded Finance, Fintech, and Payments.

The Swan catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Swan’s developer surface includes documentation, API reference, getting-started guide, developer console, support, engineering blog, pricing, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

55.1/100 strong ▬ flat Agent 31/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessSelf serve

1 APIs

Company Banking as a Service Embedded Finance Fintech Payments Cards SEPA GraphQL Europe Account

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 55.1/100 · strong

Contract Quality 8.8 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 10.3 / 17

Operational Transparency 4.7 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 9.4 / 15

Agent readiness — 31/100 · agent ready

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 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/swan: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Swan Scopes

5 scopes · authorizationCode/clientCredentials/refreshToken

5 scopes

SCOPES

Resources

Get Started 6

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Console

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Webhooks

ErrorCatalog

Lifecycle

Components

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

Compliance

Authentication

OAuthScopes

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Blog

Blog

Source (apis.yml)

x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 15
  pass: local-v1
aid: swan
name: Swan
description: Swan is a European banking-as-a-service (BaaS) and embedded-finance platform that lets software companies embed
  banking features -- business accounts with native IBANs, physical and virtual card programs, SEPA payments, direct debits,
  and white-labelled onboarding -- directly into their products through a single GraphQL API. Swan operates as a licensed
  electronic money institution authorised by France's ACPR (identifier 86245); client deposits are safeguarded with BNP Paribas
  and covered by the French FGDR deposit guarantee. Developers integrate via an OAuth 2.0 protected Partner GraphQL API (sandbox
  and live), a Testing API and Event Simulator for end-to-end sandbox testing, webhooks for external events, and first-party
  React/React Native tooling. Swan has issued over one million cards and serves platforms across accounting, treasury, proptech,
  HR-tech and travel.
url: https://raw.githubusercontent.com/api-evangelist/swan/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
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: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
image: https://avatars.githubusercontent.com/u/47886602?v=4
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Banking as a Service
- Embedded Finance
- Fintech
- Payments
- Cards
- SEPA
- GraphQL
- Europe
- Account
tags_raw:
- Company
- Banking as a Service
- Embedded Finance
- Fintech
- Payments
- Cards
- SEPA
- GraphQL
- Europe
- Accounts
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Swan Partner API
  description: 'Swan''s Partner API is a GraphQL API for embedding banking: accounts and account holders, memberships, cards,
    SEPA credit transfers and direct debits, standing orders, merchant payments, onboarding, and consent. It is protected
    with OAuth 2.0 bearer authentication (project access tokens via client_credentials, user access tokens via authorization_code)
    and offers matching sandbox and live environments plus a Testing API for simulation.'
  humanURL: https://docs.swan.io/api
  baseURL: https://api.swan.io/live-partner/graphql
  tags:
  - GraphQL
  - Banking
  - Payments
  - Cards
  - Account
  tags_raw:
  - GraphQL
  - Banking
  - Payments
  - Cards
  - Accounts
  properties:
  - type: GraphQL
    url: https://api.swan.io/live-partner/graphql
  - type: APIReference
    url: https://api-reference.swan.io/
  - type: Documentation
    url: https://docs.swan.io/
common:
- type: DeveloperPortal
  url: https://docs.swan.io/
- type: Documentation
  url: https://docs.swan.io/
- type: APIReference
  url: https://api-reference.swan.io/
- type: GettingStarted
  url: https://docs.swan.io/developers
- type: Console
  url: https://explorer.swan.io/
- type: Support
  url: https://support.swan.io/hc/en-150
- type: Blog
  url: https://swan.io/blog
- type: GitHubOrganization
  url: https://github.com/swan-io
- type: Pricing
  url: https://swan.io/pricing
- type: SignUp
  url: https://swan.io/start-now
- type: Login
  url: https://swan.io/sign-in
- type: TermsOfService
  url: https://swan.io/termsandconditions
- type: PrivacyPolicy
  url: https://swan.io/privacy-policy
- type: StatusPage
  url: https://status.swan.io
- type: TrustCenter
  url: https://trust.swan.io/
- type: Compliance
  url: https://trust.swan.io/
- type: Packages
  url: packages/swan-packages.yml
- type: SDKs
  url: packages/swan-packages.yml
- type: WellKnown
  url: well-known/swan-well-known.yml
- type: Authentication
  url: authentication/swan-authentication.yml
- type: OAuthScopes
  url: scopes/swan-scopes.yml
- type: Conventions
  url: conventions/swan-conventions.yml
- type: Webhooks
  url: asyncapi/swan-webhooks.yml
- type: ErrorCatalog
  url: errors/swan-error-codes.yml
- type: Lifecycle
  url: lifecycle/swan-lifecycle.yml
- type: Deprecation
  url: lifecycle/swan-lifecycle.yml
- type: ChangeLog
  url: changelog/swan-changelog.yml
- type: Sandbox
  url: sandbox/swan-sandbox.yml
- type: Components
  url: components/swan-components.yml
- type: Conformance
  url: conformance/swan-conformance.yml
- type: DomainSecurity
  url: security/swan-domain-security.yml
- type: X-MCPServerCandidate
  url: mcp/swan-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/swan-llms.txt

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