swan.io

swan.io is a European embedded banking company founded in 2019. It provides the infrastructure that lets software companies build banking features - accounts, cards and payments - directly into their own products, offered under the customer's brand. The platform is operated by a licensed financial institution, authorised by the French banking regulator ACPR, and the company is a principal member of Mastercard.

The technical scope covers account infrastructure, card issuance and payments processing at scale. The platform processes more than €1.5 billion in monthly transactions and is used by over 150 companies, among them Pennylane, Indy, Agicap, Libeo and Lucca. Engineering work sits at the intersection of fintech and regulated banking: systems must handle payment rails, card lifecycle management and multi-tenant account ledgers while meeting the compliance requirements attached to a banking licence.

swan.io operates across Europe and is headquartered in France. The company has raised growth capital from investors including Lakestar, Accel, Creandum, Bpifrance and Eight Roads.