Swan
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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Swan the way a machine reads it — 13 machine-readable artifacts across 7 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Swan scores 30.7/100 (thin), with a separate agent-readiness read of 18/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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title="Swan on API Evangelist — API profile and Kin Score">
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</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Swan
Each block below is one kind of artifact we hold for Swan. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 7
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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...
Scroll within the panel for all 7 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Swan Partner API (GraphQL)
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Swan Io Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Swan Io Finops
FINOPSSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Swan — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Documentation 1
Reference material describing how the API behaves
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/swan-io · machine-readable index on apis.io
This is an independent, third-party profile of Swan, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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