About Swan

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Swan is the easiest way to embed banking features into your product. Via Swan's simple APIs, European companies can integrate banking services (accounts, cards, and IBANs) quickly and easily into their own product. Co-founded in 2019 with start-up Studio eFounders, Swan received a 5M€ Seed led by Creandum in 2020 and a 16M€ Series A led by Accel in 2021.

Dubbed a top "European fintech to watch in 2021" by Sifted, the startup is currently expanding across Europe, with plans to grow its staff to 100 this year. Additional offices are set to be open in Germany and Spain. Swan is a Mastercard principal member and a licensed financial institution, regulated by the ACPR.

What we do: embedded finance

Embedded finance is the contextualized integration of financial services into digital products. Tech companies of all kinds can benefit from embedding finance features like accounts, cards, and IBANs.

Why embedded finance?

We believe banking operations are at their best when you barely notice them. Think about your favorite chauffeur app: you order a car, you're driven, and you get out. You don't have to worry about the payment, it just happens. All types of digital businesses can make this kind of super-smooth user experience by embedding banking features.

There are countless processes involving money movement that can be improved: welcoming a new employee, paying a supplier, getting a new tenant moved in. Specialized software already handles these things, but they’re often still lacking the required banking feature integrations to offer a unified user journey.

Swan’s easy integration lets companies put banking services right where the end-user might need them, and it’s all white-labeled so the user experience continues to match the companies own branding and colors.

What makes Swan different from other embedded banking companies?

Swan fully owns the payment and fraud risk. We’re a regulated financial institution with our own e-money license and partners get to piggyback on it! This is a big deal for our partners. They don’t have to worry about getting regulated themselves nor building up a compliance department.

Our partners can start building now - Right now! Building and launching with Swan is extremely quick and easy compared to other solutions, no need to wait ages for a demo. With a free public sandbox and no setup costs, companies can start testing out everything Swan offers within minutes. Just click Start now.

Developer-centricity. Our self-service platform offers the best implementation experience; our GraphQL APIs make sense and they “just work”.

Long story short: companies can go to market in weeks (instead of months) at a fraction of the cost of current providers.

Our credentials

Licensed financial institution (e-money license regulated by the ACPR/Bank of France)

Principal Member for Issuing

Accepting Apple Pay

Accepting Google Pay

EBA-STEP2 BNP Paribas SEPA Indirect Participant


An international team of experts in banking, fraud, payments, product development, and more.

Nicolas Benady

Chief Executive Officer

Demystifying payments is his thing. Ex-developer Nicolas Benady has already cofounded two successful payment startups, Limonetik and Antelop, and Swan is his most ambitious venture yet.  His favorite place is in front of the whiteboard with colleagues, building products and organizations together.

Nicolas Saison

Chief Operations Officer

Nicolas integrated 40+ payment methods at Limonetik and went on to manage payments and a B2C Finance Management app at Veolia. He leads daily operations with a sharp product vision and unbreakable positivity. Once upon a time, Nicolas Saison was actually CEO Nicolas Benady's apprentice. The two later joined forces as partners to make Swan take flight.

Mathieu Breton

Chief Technical Officer

Mathieu pilots super complex projects with admirable tech prowess. Passionate and altruistic, he's as comfortable sharing at a conference as he is huddled around a beer. Ex-lead dev at Xebia, then technical director, Breton has already launched his first tech company, JS-Republic, and now brings his savoir faire to Swan.

Stéphie Ndinga

Chief Compliance Officer

Before joining Swan as Chief Compliance Officer, Stéphie was at Leetchi, European leader in online money pots (12 million+ users), where she created a powerful scoring engine and built a compliance department from the ground up. An expert in fraud, regulation, and client services, Stéphie is just the powerhouse Swan needed to help us earn our coveted e-money license, and to provide the most robust possible compliance processes.

Luka Caratsch

Chief of Staff

Luka first got to know Swan as an investor at Creandum, one of our major VCs. He was so convinced by our vision that he went on to join Swan as a Chief of Staff. Previously a Management Consultant at BCG, Luka is a jack-of-all-trades, running business development as well as other strategic projects. Being a true gourmet, he's happy to have landed in the capital of fine food: Paris.

Julien Mettoudi


Former COO of Lemon Way, Julien built up the operations teams and helped scale the company through its hypergrowth phase: banking operations, customer support, account management, financial partnerships etc. He has 12+ years of experience in the Payments Industry and an international outlook, having lived in 5+ countries. Julien joined Swan to lead all things payment!

Florent Tardivel

Chief Commercial Officer

Florent has spent the past 12 years in the tech ecosystem. He’s an entrepreneur, ex-PrestaShop, and joined Stripe just as the company landed in Europe. He helped grow their business across the region, eventually becoming Head of Sales for France. Florent joined Swan in August 2021 as our Chief Commercial Officer. He's based in Barcelona where he enjoys clement weather, summer festivals and pan con tomate.


Company history and important events.
Founded in Paris by Nicolas Benady (CEO) Mathieu Breton (CTO) and Nicolas Saison (COO), in collaboration with startup studio eFounders
5M€ raised with Creandum (Spotify, Klarna, iZettle, Pleo) and Bpi France
E-money license obtained to provide banking services across EEA
Principal member of the Mastercard Network
Feature launch: Accounts & IBANs
Commercial launch: 40 partners onboarded, 7 partners live
18 employees by end of year
16M€ Series A raised with Accel
Public Sandbox - open across the EU
Feature launch: Cards
Feature launch: Apple Pay
Feature launch: Googe Pay
Feature launch: Web SCA
500M€ processed
70 employees by end of year
Features lauched:
Accepting all Received Sepa Direct Debit: Core and B2B
Account funding (Direct debit or Card) Deferred debit, Just-in-time funding
Testing API
Upload supporting documents
Instant SEPA Credit Transfers
Dashboard data visualization
Capital Deposit (France only)
and many more product improvements!
1Bn€ processed
50 partners by mid-year
80 employees by mid-year

Swan in the news

Press releases

September 15
September 28th
August 17
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Brand and press kit

Branding materials

Swan logo set


Digital artwork

Product teasers and more

Coming soon

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