Swile

Swile is a French fintech that operates an all-in-one employee-benefits and engagement super-app built around a single Mastercard smartcard and mobile app. Founded in 2018 as Lunchr and rebranded Swile in 2020, it consolidates meal vouchers (titres-restaurant), gift and culture vouchers, mobility and work-from-home allowances, and team/recognition budgets that were historically spread across paper vouchers and multiple providers. The company merged with Bimpli in France, expanded into Brazil through Vee Benefícios, and is backed by investors including Index Ventures, SoftBank Vision Fund, and Bpifrance. Swile serves employers and their employees rather than external developers: as of this enrichment pass it publishes a security surface (RFC 9116 security.txt, a coordinated vulnerability disclosure policy, and a researcher hall of fame) but no public developer portal, OpenAPI, or API reference.

Swile is profiled on the APIs.io network. Tagged areas include Company, Fintech, Employee Benefits, Meal Vouchers, and Payments.

🌐 Visit website 📡 Source on GitHub

4.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Employee BenefitsMeal VouchersPayments Prepaid Cards Employee Engagement Human Resources Mastercard

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 4.7/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/swile: 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 →

Security Posture 2

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

Swile Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Swile Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: swile
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/swile.png
name: Swile
description: 'Swile is a French fintech that operates an all-in-one employee-benefits and engagement super-app built around
  a single Mastercard smartcard and mobile app. Founded in 2018 as Lunchr and rebranded Swile in 2020, it consolidates meal
  vouchers (titres-restaurant), gift and culture vouchers, mobility and work-from-home allowances, and team/recognition budgets
  that were historically spread across paper vouchers and multiple providers. The company merged with Bimpli in France, expanded
  into Brazil through Vee Benefícios, and is backed by investors including Index Ventures, SoftBank Vision Fund, and Bpifrance.
  Swile serves employers and their employees rather than external developers: as of this enrichment pass it publishes a security
  surface (RFC 9116 security.txt, a coordinated vulnerability disclosure policy, and a researcher hall of fame) but no public
  developer portal, OpenAPI, or API reference.'
url: https://raw.githubusercontent.com/api-evangelist/swile/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- index-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Employee Benefits
- Meal Vouchers
- Payments
- Prepaid Cards
- Employee Engagement
- Human Resources
- Mastercard
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.swile.co
- type: GitHubOrganization
  url: https://github.com/swile
- type: SecurityTxt
  url: well-known/swile-security.txt
- type: WellKnown
  url: well-known/swile-well-known.yml
- type: VulnerabilityDisclosure
  url: security/swile-vulnerability-disclosure.yml
- type: Security
  url: https://swile.co/security/disclosure-policy.txt
- type: DomainSecurity
  url: security/swile-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 4
  pass: local-v1

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