# Swan

**Canonical:** https://apis.io/providers/swan/  
**Website:** https://docs.swan.io/  
**APIs profiled:** 1

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.

## Kin Score — 56.6 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.6).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 51.6 |
| Governance | 12.5 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 67.4 |
| Commercial Clarity | 60.5 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 36.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Swan Partner API** — 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 p...

## MCP servers (1)

- **swan-mcp.yml**

## Security (2)

- **Swan Authentication** — oauth2/http · 2 schemes
- **Swan Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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