EUAlternatives
    Swan logo

    Swan

    Swan is the leading European fintech specialized in embedded banking. Companies of all kinds can unlock the full potential of their product by embedding Swan's

    FRFrance·Founded 2019
    Headquarters
    🇫🇷France
    Data Hosting
    GermanySpain
    Structure
    Independent
    Compliance
    â–ŁGDPRâ—†EU HQâ–¦EU Data

    Swan key facts

    Last updated
    Legal entity
    SWAN SAS
    Headquarters
    France (FR)
    Ownership
    Independent
    Founded
    2019
    Data hosting
    Germany, Spain, France
    Infrastructure
    AWS (Inferred for fintech SaaS, but ledger is proprietary)
    Deployment
    SaaS
    Open source
    No
    US Cloud Act exposure
    Exposed
    Certifications
    ACPR License (French Bank of France)
    Replaces
    Stripe Treasury, Solaris (Solarisbank), Adyen for Platforms, Swan.io competitors like Treezor or Railsr

    About Swan

    Swan is a leading European Banking-as-a-Service (BaaS) provider headquartered in Paris, France. Founded in 2019, the company enables B2B software providers to embed banking features—such as accounts, cards, and payments—directly into their products. Swan operates as a licensed e-money institution regulated by the ACPR (Bank of France), allowing its partners to bypass the complexities of obtaining their own financial licenses. The platform is distinguished by its developer-first approach, utilizing a modern GraphQL API that allows companies to go to market in weeks. Unlike many providers that rely on third-party banks, Swan built its own core banking infrastructure, including a proprietary ledger and direct SEPA connectivity. This architectural independence provides superior control over the user experience and compliance workflows, including automated KYC and AML processes tailored to specific European jurisdictions.

    Alternative to

    Stripe TreasurySolaris (Solarisbank)Adyen for PlatformsSwan.io competitors like Treezor or Railsr

    Target Segments

    SMBEnterprise

    Deployment Options

    SaaS

    Hosting & Security

    Infrastructure

    AWS (Inferred for fintech SaaS, but ledger is proprietary)

    Certifications
    ACPR License (French Bank of France)

    Key Features

    White-labeled accounts with local IBANs (FR, DE, ES)
    Card issuing for physical and virtual payment cards
    GraphQL API for financial integration
    Integrated KYC and AML compliance management
    SEPA network connectivity with own BIC and IBANs
    Core banking ledger for transaction processing
    Payment orchestration and cross-border transfers

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