# Swile

**Canonical:** https://apis.io/providers/swile/  
**Website:** https://www.swile.co  
**APIs profiled:** 0

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.

## Kin Score — 8.8 / 100 (minimal)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 8.8).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |

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

## Agent readiness — 2.7 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Swile Domain Security** — TLSv1.3 · HSTS · DMARC
- **Swile Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Fintech, Employee Benefits, Meal Vouchers, Payments, Prepaid Cards, Employee Engagement, Human Resources, Mastercard

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