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Who’s the BaaS?

Insights for companies who want to embed banking features via simple APIs.
From the big picture to the nitty-gritty details, we break it down.

All articles
Customer stories
Embedded finance
Use cases
Product
Company
Embedded finance
February 12, 2026
Why embedded banking works best when compliance comes first
Embedded finance
February 19, 2026
Why embedded banking works best when compliance comes first
Learn how software platforms can integrate banking services without regulatory burden by choosing compliant-by-default embedded banking over building in-house.
Swan Team
Writer at Swan
Company
December 16, 2025
2025 wrap-up: Closing the financial gap in Europe’s SMB software
Company
January 28, 2026
2025 wrap-up: Closing the financial gap in Europe’s SMB software
Europe’s leading SMB software platforms doubled growth in 2025 by building on Swan’s reliable, compliant rails. See the milestones, product launches, and what’s coming in 2026 that will power even faster scale.
Isabel Chiuchiolo
Writer at Swan
Company
November 26, 2025
Swan appoints Camille Tyan as CEO to support its new growth phase
Company
January 28, 2026
Swan appoints Camille Tyan as CEO to support its new growth phase
Swan announces Camille Tyan as CEO to drive operational excellence and European expansion, while co-founder Nicolas Benady transitions to President to focus on long-term strategy during a period of exceptional growth.
Swan Team
Writer at Swan
Embedded finance
November 19, 2025
Partner vs. vendor: What's at stake for your product
Embedded finance
January 28, 2026
Partner vs. vendor: What's at stake for your product
Isabel Chiuchiolo
Writer at Swan
Embedded finance
November 19, 2025
E-invoicing: The opportunity to own the entire customer relationship
Embedded finance
January 28, 2026
E-invoicing: The opportunity to own the entire customer relationship
As e‑invoicing mandates sweep Europe, platforms that embed banking now can turn a compliance shift into an end‑to‑end, revenue‑generating workflow: owning invoicing, payments, and reconciliation before competitors do.
Isabel Chiuchiolo
Writer at Swan
Company
November 19, 2025
Inside Swan: Where regulation meets human judgment
Company
January 28, 2026
Inside Swan: Where regulation meets human judgment
Inside Swan's KYC team: the people who keep our partners (and their users) safe.
Sarah Wachter
Writer at Swan
Embedded finance
November 19, 2025
The next competitive edge: Why embedded banking is the digital differentiator in 2026
Embedded finance
January 28, 2026
The next competitive edge: Why embedded banking is the digital differentiator in 2026
Our most recent guide reveals how embedded banking transforms platforms into financial hubs, and why 2026 is the pivotal year to integrate financial services.
Júlia Miozzo
Writer at Swan
Product
November 17, 2025
Verification of Payee: Building safer payments from day one
Product
January 28, 2026
Verification of Payee: Building safer payments from day one
Verification of Payee (VoP) brings real-time account verification to European payments, reducing fraud and misdirected transfers. Discover Swan's first-month insights, including Match rates exceeding 70% and practical tips to optimize verification success.
Théo Gerentes, Expert Product Manager at Swan
Writer at Swan
Embedded finance
November 17, 2025
From workflow tool to financial hub: The embedded banking opportunity
Embedded finance
January 28, 2026
From workflow tool to financial hub: The embedded banking opportunity
Isabel Chiuchiolo
Writer at Swan
Customer stories
September 16, 2025
Betterfly: Benefits adoption as the North Star
Customer stories
January 28, 2026
Betterfly: Benefits adoption as the North Star
Offering employee benefits is one thing. Ensuring they are used and appreciated is another. Betterfly set out to solve this problem: transforming how companies care for their teams by making flexible compensation a daily, tangible experience.
Constance Laux
Writer at Swan
Embedded finance
August 1, 2025
Why Dutch businesses expect more from their software (and how embedded banking helps deliver)
Embedded finance
January 28, 2026
Why Dutch businesses expect more from their software (and how embedded banking helps deliver)
Steph Smith
Writer at Swan
Company
July 25, 2025
An interview with Olivia Mark and Anne Le Bruchec: building Swan for the long term
Company
January 28, 2026
An interview with Olivia Mark and Anne Le Bruchec: building Swan for the long term
Sarah Wachter
Writer at Swan
Embedded finance
May 15, 2025
An outlook on embedded banking in Germany: unlocking opportunities for financial SaaS
Embedded finance
January 28, 2026
An outlook on embedded banking in Germany: unlocking opportunities for financial SaaS
Embedded banking is unlocking exciting opportunities for financial SaaS. Let's explore.
Steph Smith
Writer at Swan
Embedded finance
May 15, 2025
Business Banking in Germany is Changing: Here’s What You Need To Know
Embedded finance
January 28, 2026
Business Banking in Germany is Changing: Here’s What You Need To Know
Business banking in Germany is changing. And it’s shifting to embedded finance.
Steph Smith
Writer at Swan
Embedded finance
March 31, 2025
The new era of Italian software companies: unlocking opportunities with embedded banking
Embedded finance
January 28, 2026
The new era of Italian software companies: unlocking opportunities with embedded banking
Italy’s software scene has never been more dynamic. And now embedded banking is taking this to the next level.
Steph Smith
Writer at Swan
Customer stories
February 25, 2025
Accountable: helping the self-employed take control of their finances
Customer stories
January 28, 2026
Accountable: helping the self-employed take control of their finances
With embedded banking, Accountable empowers users to manage their taxes better while improving financial security and offering a smarter way to manage money.
Steph Smith
Writer at Swan
Company
February 11, 2025
Beyond Compliance: Navigating DORA and operational resilience
Company
January 28, 2026
Beyond Compliance: Navigating DORA and operational resilience
What you need to know about the EU’s Digital Operational Resilience Act, in place as of 17 January 2025.
Steph Smith
Writer at Swan
Company
January 29, 2025
Swan secures €42M to lead Embedded Banking in Europe
Company
January 28, 2026
Swan secures €42M to lead Embedded Banking in Europe
When we started Swan, our vision was simple: to make it easy for businesses to offer banking features as part of their products. No unnecessary complexity, no compliance challenges—just sophisticated tools designed to work quietly in the background.Today, we’re thrilled to share a milestone in that journey: we’ve raised an additional €42 million in Series B funding to help make embedded banking the standard across Europe.
Swan Team
Writer at Swan
Customer stories
November 27, 2024
Axonaut: simplifying small business management with no-cost payment accounts
Customer stories
January 28, 2026
Axonaut: simplifying small business management with no-cost payment accounts
With embedded banking, Axonaut is transforming business management by integrating no-cost payment accounts into its all-in-one platform.
Steph Smith
Writer at Swan
Embedded finance
November 18, 2024
Why embedded banking needs to be on your product roadmap
Embedded finance
January 28, 2026
Why embedded banking needs to be on your product roadmap
What needs to be on your product roadmap? As technology evolves and customer expectations increase, products must now go beyond “fit-for-purpose.”
Steph Smith
Writer at Swan
Customer stories
November 8, 2024
Regional Hero: payment cards for next-generation employee benefits
Customer stories
January 28, 2026
Regional Hero: payment cards for next-generation employee benefits
With a mission to use employee benefits as a lever for social impact, Regional Hero works with Swan to offer empowering financial services.
Steph Smith
Writer at Swan
Customer stories
October 24, 2024
bunch: building a standout investor experience with embedded banking
Customer stories
January 28, 2026
bunch: building a standout investor experience with embedded banking
With accounts tailored to their clients' needs, bunch has created a seamless user experience while unlocking new revenue streams.
Steph Smith
Writer at Swan
Customer stories
September 25, 2024
TucoBan by IESA: embedded banking for PropTech
Customer stories
January 28, 2026
TucoBan by IESA: embedded banking for PropTech
Constance Laux
Writer at Swan
Customer stories
September 24, 2024
Libeo: Building a payment experience for better expense management
Customer stories
January 28, 2026
Libeo: Building a payment experience for better expense management
With 20,000 users and a lot of potential, Libeo embedded banking features directly into the expense management interfaces its users already love.
Steph Smith
Writer at Swan
Embedded finance
August 1, 2024
European expansion: 5 tips to build a cross-border product
Embedded finance
January 28, 2026
European expansion: 5 tips to build a cross-border product
Expand your product across Europe with these top tips, including leveraging embedded banking solutions for better user experiences.
Steph Smith
Writer at Swan
Company
July 25, 2024
Sustainability at Swan
Company
January 28, 2026
Sustainability at Swan
Discover Swan's Carbon Footprint Report 2023 and the concrete actions we're implementing to improve.
Etienne de Pierrefeu, Sustainability Analyst
Writer at Swan
Company
June 18, 2024
Il Rinascimento Tech Italiano: Why the Italian tech ecosystem might be the next big thing
Company
January 28, 2026
Il Rinascimento Tech Italiano: Why the Italian tech ecosystem might be the next big thing
Alessandro Giovanelli
Writer at Swan
Embedded finance
March 19, 2024
The new Compte Pro: stars of French Tech are eating up embedded banking
Embedded finance
January 28, 2026
The new Compte Pro: stars of French Tech are eating up embedded banking
Pennylane, Indy, Libeo, Agicap and so many other French SaaS in financial management are embedding banking services to build seamless, all-in-one solutions for individuals and businesses alike.
Constance Laux
Writer at Swan
Product
February 12, 2024
New EU rules on SEPA instant transfers
Product
January 28, 2026
New EU rules on SEPA instant transfers
The European Parliament passed a regulation mandating that transfers must occur within ten seconds. Learn how financial institutions are adapting.
Sarah Wachter
Writer at Swan
Customer stories
January 24, 2024
Completing the all-in-one finance app for French independent workers: The Indy Story
Customer stories
January 28, 2026
Completing the all-in-one finance app for French independent workers: The Indy Story
With Indy, you can create a company, match transactions with invoices, and now, open a business account to pay and get paid. And it’s free to access for any new or existing customer!
Max Cutler
Writer at Swan
Customer stories
September 16, 2025
Betterfly: Benefits adoption as the North Star
Customer stories
January 28, 2026
Betterfly: Benefits adoption as the North Star
Offering employee benefits is one thing. Ensuring they are used and appreciated is another. Betterfly set out to solve this problem: transforming how companies care for their teams by making flexible compensation a daily, tangible experience.
Constance Laux
Writer at Swan
Customer stories
February 25, 2025
Accountable: helping the self-employed take control of their finances
Customer stories
January 28, 2026
Accountable: helping the self-employed take control of their finances
With embedded banking, Accountable empowers users to manage their taxes better while improving financial security and offering a smarter way to manage money.
Steph Smith
Writer at Swan
Customer stories
November 27, 2024
Axonaut: simplifying small business management with no-cost payment accounts
Customer stories
January 28, 2026
Axonaut: simplifying small business management with no-cost payment accounts
With embedded banking, Axonaut is transforming business management by integrating no-cost payment accounts into its all-in-one platform.
Steph Smith
Writer at Swan
Customer stories
November 8, 2024
Regional Hero: payment cards for next-generation employee benefits
Customer stories
January 28, 2026
Regional Hero: payment cards for next-generation employee benefits
With a mission to use employee benefits as a lever for social impact, Regional Hero works with Swan to offer empowering financial services.
Steph Smith
Writer at Swan
Customer stories
October 24, 2024
bunch: building a standout investor experience with embedded banking
Customer stories
January 28, 2026
bunch: building a standout investor experience with embedded banking
With accounts tailored to their clients' needs, bunch has created a seamless user experience while unlocking new revenue streams.
Steph Smith
Writer at Swan
Customer stories
September 25, 2024
TucoBan by IESA: embedded banking for PropTech
Customer stories
January 28, 2026
TucoBan by IESA: embedded banking for PropTech
Constance Laux
Writer at Swan
Customer stories
September 24, 2024
Libeo: Building a payment experience for better expense management
Customer stories
January 28, 2026
Libeo: Building a payment experience for better expense management
With 20,000 users and a lot of potential, Libeo embedded banking features directly into the expense management interfaces its users already love.
Steph Smith
Writer at Swan
Customer stories
November 17, 2022
Lucca x Swan: Why the best HR software has embedded banking
Customer stories
January 28, 2026
Lucca x Swan: Why the best HR software has embedded banking
Innovating in the HR field for over 20 years, Lucca had already streamlined HR processes for 1 million users in 112 countries. Now, with embedded banking features, they are surfing a sharp uptick in growth!
Sarah Wachter
Writer at Swan
Customer stories
January 24, 2024
Completing the all-in-one finance app for French independent workers: The Indy Story
Customer stories
January 28, 2026
Completing the all-in-one finance app for French independent workers: The Indy Story
With Indy, you can create a company, match transactions with invoices, and now, open a business account to pay and get paid. And it’s free to access for any new or existing customer!
Max Cutler
Writer at Swan
Customer stories
November 6, 2023
Fleming: digitizing banking for doctors in Germany
Customer stories
January 28, 2026
Fleming: digitizing banking for doctors in Germany
Learn how Fleming partnered with Swan to launch banking accounts and cards for medical professionals 75% faster than expected!
Max Cutler
Writer at Swan
Customer stories
October 10, 2023
Ageras launches first embedded banking product with Tellow
Customer stories
January 28, 2026
Ageras launches first embedded banking product with Tellow
How Tellow embedded banking to set the gold standard for bookkeeping software
Sarah Wachter
Writer at Swan
Customer stories
July 21, 2023
Ride with me: the story of Swan’s partnership with B2B mobility provider uRyde
Customer stories
January 28, 2026
Ride with me: the story of Swan’s partnership with B2B mobility provider uRyde
Mobility provider uRyde partners with Swan to issue virtual cards for their mobility budget product
Max Cutler
Writer at Swan
Customer stories
April 7, 2023
Building corporate cards in Italy: The Tundr story.
Customer stories
January 28, 2026
Building corporate cards in Italy: The Tundr story.
How Swan empowered Tundr to build a corporate benefits app with smart company cards and a sustainability twist!
Sarah Wachter
Writer at Swan
Customer stories
March 29, 2023
Growing together: how Swan enabled Alma to become a leading European BNPL provider
Customer stories
January 28, 2026
Growing together: how Swan enabled Alma to become a leading European BNPL provider
Learn how Swan partnered with Alma to deliver an improved user experience for merchants while improving unit economics for the buy-now-pay-later provider
Max Cutler
Writer at Swan
Customer stories
January 18, 2023
Expensya: building one unified spend cycle with Swan
Customer stories
January 28, 2026
Expensya: building one unified spend cycle with Swan
How Expensya connected to Swan's BaaS to quickly and easily add payments to their UX, opening up new markets, and significantly boosting revenue!
Sarah Wachter
Writer at Swan
Customer stories
June 3, 2021
Pennylane: How digital wallets can simplify the lives of entrepreneurs and accountants
Customer stories
January 28, 2026
Pennylane: How digital wallets can simplify the lives of entrepreneurs and accountants
Here's why digital wallets, for sending, receiving, and managing companies' funds, have become a must-have for every financial management platform.
Sarah Wachter
Writer at Swan
Customer stories
May 30, 2022
Syndic Yourself: this Belgian Proptech built banking flows as cool as your fave neobank
Customer stories
January 28, 2026
Syndic Yourself: this Belgian Proptech built banking flows as cool as your fave neobank
How Swan’s Banking-as-a-Service helped proptech Syndic Yourself achieve a dream UX on their residential building management platform.
Sarah Wachter
Writer at Swan
Customer stories
April 12, 2022
How Carrefour built their innovative cashback idea in just weeks by coupling with Swan
Customer stories
January 28, 2026
How Carrefour built their innovative cashback idea in just weeks by coupling with Swan
Find out how Swan helped Carrefour validate an innovative cashback method in less than 3 months.
Pico Petershagen & Sarah Wachter
Writer at Swan
Customer stories
March 24, 2022
Agicap: Easy cashflow management that lets you pay all bills in one place
Customer stories
January 28, 2026
Agicap: Easy cashflow management that lets you pay all bills in one place
How Swan helped cashflow analysis tool Agicap became a full-on cash management system — saving users from endless back and forths with banking apps.
Pico Petershagen & Sarah Wachter
Writer at Swan
Customer stories
March 2, 2022
iPaidThat: pay invoices in 1 click with automated company accounting
Customer stories
January 28, 2026
iPaidThat: pay invoices in 1 click with automated company accounting
How Swan’s embedded banking helped iPaidThat step-up its user experience, increase retention, and capture more revenue.
Pico Petershagen & Sarah Wachter
Writer at Swan
Embedded finance
February 12, 2026
Why embedded banking works best when compliance comes first
Embedded finance
February 19, 2026
Why embedded banking works best when compliance comes first
Learn how software platforms can integrate banking services without regulatory burden by choosing compliant-by-default embedded banking over building in-house.
Swan Team
Writer at Swan
Embedded finance
November 19, 2025
Partner vs. vendor: What's at stake for your product
Embedded finance
January 28, 2026
Partner vs. vendor: What's at stake for your product
Isabel Chiuchiolo
Writer at Swan
Embedded finance
November 19, 2025
E-invoicing: The opportunity to own the entire customer relationship
Embedded finance
January 28, 2026
E-invoicing: The opportunity to own the entire customer relationship
As e‑invoicing mandates sweep Europe, platforms that embed banking now can turn a compliance shift into an end‑to‑end, revenue‑generating workflow: owning invoicing, payments, and reconciliation before competitors do.
Isabel Chiuchiolo
Writer at Swan
Embedded finance
November 19, 2025
The next competitive edge: Why embedded banking is the digital differentiator in 2026
Embedded finance
January 28, 2026
The next competitive edge: Why embedded banking is the digital differentiator in 2026
Our most recent guide reveals how embedded banking transforms platforms into financial hubs, and why 2026 is the pivotal year to integrate financial services.
Júlia Miozzo
Writer at Swan
Embedded finance
November 17, 2025
From workflow tool to financial hub: The embedded banking opportunity
Embedded finance
January 28, 2026
From workflow tool to financial hub: The embedded banking opportunity
Isabel Chiuchiolo
Writer at Swan
Embedded finance
August 1, 2025
Why Dutch businesses expect more from their software (and how embedded banking helps deliver)
Embedded finance
January 28, 2026
Why Dutch businesses expect more from their software (and how embedded banking helps deliver)
Steph Smith
Writer at Swan
Embedded finance
May 15, 2025
An outlook on embedded banking in Germany: unlocking opportunities for financial SaaS
Embedded finance
January 28, 2026
An outlook on embedded banking in Germany: unlocking opportunities for financial SaaS
Embedded banking is unlocking exciting opportunities for financial SaaS. Let's explore.
Steph Smith
Writer at Swan
Embedded finance
May 15, 2025
Business Banking in Germany is Changing: Here’s What You Need To Know
Embedded finance
January 28, 2026
Business Banking in Germany is Changing: Here’s What You Need To Know
Business banking in Germany is changing. And it’s shifting to embedded finance.
Steph Smith
Writer at Swan
Embedded finance
March 31, 2025
The new era of Italian software companies: unlocking opportunities with embedded banking
Embedded finance
January 28, 2026
The new era of Italian software companies: unlocking opportunities with embedded banking
Italy’s software scene has never been more dynamic. And now embedded banking is taking this to the next level.
Steph Smith
Writer at Swan
Embedded finance
November 18, 2024
Why embedded banking needs to be on your product roadmap
Embedded finance
January 28, 2026
Why embedded banking needs to be on your product roadmap
What needs to be on your product roadmap? As technology evolves and customer expectations increase, products must now go beyond “fit-for-purpose.”
Steph Smith
Writer at Swan
Embedded finance
August 1, 2024
European expansion: 5 tips to build a cross-border product
Embedded finance
January 28, 2026
European expansion: 5 tips to build a cross-border product
Expand your product across Europe with these top tips, including leveraging embedded banking solutions for better user experiences.
Steph Smith
Writer at Swan
Embedded finance
March 19, 2024
The new Compte Pro: stars of French Tech are eating up embedded banking
Embedded finance
January 28, 2026
The new Compte Pro: stars of French Tech are eating up embedded banking
Pennylane, Indy, Libeo, Agicap and so many other French SaaS in financial management are embedding banking services to build seamless, all-in-one solutions for individuals and businesses alike.
Constance Laux
Writer at Swan
Embedded finance
January 23, 2024
Why SaaS platforms will lead the next wave of innovation in SMB financial services
Embedded finance
January 28, 2026
Why SaaS platforms will lead the next wave of innovation in SMB financial services
Over 85% of SMEs and freelancers would be willing to purchase banking services from a non-banking institution. SaaS platforms have a big opportunity here!
Max Cutler
Writer at Swan
Embedded finance
October 2, 2023
What exactly are Banking-as-a-Service, Embedded Finance, and Embedded Banking?
Embedded finance
January 28, 2026
What exactly are Banking-as-a-Service, Embedded Finance, and Embedded Banking?
Embedded finance promises the delivery of financial services in a contextualized manner via apps users are already familiar with. BaaS is one way of getting there!
Max Cutler
Writer at Swan
Embedded finance
July 10, 2023
Open Banking & Embedded Finance: delivering financial services with the best UX
Embedded finance
January 28, 2026
Open Banking & Embedded Finance: delivering financial services with the best UX
Discover how Open Banking and Embedded Finance are revolutionizing financial services with superior user experiences.
Max Cutler
Writer at Swan
Embedded finance
June 29, 2023
Leveraging data for contextualized banking | Swan x Banxware
Embedded finance
January 28, 2026
Leveraging data for contextualized banking | Swan x Banxware
Learn how embedded accounts, payments, and lending create data to power delightfully contextualized embedded banking experiences.
Max Cutler
Writer at Swan
Embedded finance
June 22, 2023
Embedded banking for SaaS: build or buy?
Embedded finance
January 28, 2026
Embedded banking for SaaS: build or buy?
What are your options for adding banking features to your product? Should you build them from scratch or get a ready-made solution?
Constance Laux
Writer at Swan
Embedded finance
May 23, 2023
The under the radar ways to embed finance into the core of your business
Embedded finance
January 28, 2026
The under the radar ways to embed finance into the core of your business
There is more to Swan than just accounts and card issuing. Discover how we can level-up your internal financial workflows!
Max Cutler
Writer at Swan
Embedded finance
May 5, 2023
The Financial Services Pendulum: From Unbundling to Re-Bundling
Embedded finance
January 28, 2026
The Financial Services Pendulum: From Unbundling to Re-Bundling
In a world of meaningful interest rates, what happens to companies focusing mostly on moving, rather than storing, money?
Max Cutler
Writer at Swan
Embedded finance
April 27, 2023
iDeal: the simple and familiar Dutch payment method that can not be ignored
Embedded finance
January 28, 2026
iDeal: the simple and familiar Dutch payment method that can not be ignored
The vast majority of Dutch people do not use cards when shopping online. iDeal is their preferred payment method. Let’s find out why!
Max Cutler
Writer at Swan
Embedded finance
March 16, 2023
How vertical software companies can increase revenue with embedded banking features
Embedded finance
January 28, 2026
How vertical software companies can increase revenue with embedded banking features
Learn how SaaS startups have expanded their core product offering and added to their bottom lines through embedded financial services
Max Cutler
Writer at Swan
Embedded finance
October 4, 2022
How to embed financial features: the 3-step masterplan
Embedded finance
January 28, 2026
How to embed financial features: the 3-step masterplan
Playbooks for building new product features guide us from identifying value opportunity, to delivering and iterating on solutions. But how do we adapt these processes for financial features? Let's zoom out!
Constance Laux
Writer at Swan
Embedded finance
August 28, 2022
Embedded banking: the path to profitability
Embedded finance
January 28, 2026
Embedded banking: the path to profitability
Integrated banking features can help companies drive growth, boost user engagement, increase loyalty, and add new revenue streams on top of higher-priced subscriptions.
Constance Laux
Writer at Swan
Embedded finance
December 9, 2021
What is embedded finance, really?
Embedded finance
January 28, 2026
What is embedded finance, really?
Embedded finance has matured in past years. It now goes way further than companies just slapping their brand on traditional financial products.
Pico Petershagen & Sarah Wachter
Writer at Swan
Embedded finance
May 5, 2021
Why BaaS makes sense in 2020
Embedded finance
January 28, 2026
Why BaaS makes sense in 2020
When non-bank businesses embed banking features, opportunities unfold that boost revenue and lead to much deeper customer relationships 🤝
Sarah Wachter
Writer at Swan
Use cases
April 14, 2023
Leveraging embedded finance to maximize employee experience
Use cases
January 28, 2026
Leveraging embedded finance to maximize employee experience
How leading HR software companies are developing finance features to improve product experience for workers
Max Cutler
Writer at Swan
Use cases
March 2, 2023
How embedded accounts can revolutionize rental management
Use cases
January 28, 2026
How embedded accounts can revolutionize rental management
Implementing embedded finance to improve rental management processes, using dedicated IBANs
Max Cutler
Writer at Swan
Use cases
January 17, 2023
Wielding embedded finance to perfect Expense Management
Use cases
January 28, 2026
Wielding embedded finance to perfect Expense Management
A look at how embedding card features will strengthen your expense management offering.
Max Cutler
Writer at Swan
Use cases
January 17, 2023
Becoming the dominant financial OS
Use cases
January 28, 2026
Becoming the dominant financial OS
A magnified view of how embedding payments can improve invoicing, accounting and cash flow tools
Max Cutler
Writer at Swan
Use cases
May 5, 2021
How tech companies are fixing the expense process mess
Use cases
January 28, 2026
How tech companies are fixing the expense process mess
Company expense processes are messy and time-consuming. Here’s how some clever startups are fixing this with embedded cards and payment control features.
Sarah Wachter
Writer at Swan
Product
November 17, 2025
Verification of Payee: Building safer payments from day one
Product
January 28, 2026
Verification of Payee: Building safer payments from day one
Verification of Payee (VoP) brings real-time account verification to European payments, reducing fraud and misdirected transfers. Discover Swan's first-month insights, including Match rates exceeding 70% and practical tips to optimize verification success.
Théo Gerentes, Expert Product Manager at Swan
Writer at Swan
Product
February 12, 2024
New EU rules on SEPA instant transfers
Product
January 28, 2026
New EU rules on SEPA instant transfers
The European Parliament passed a regulation mandating that transfers must occur within ten seconds. Learn how financial institutions are adapting.
Sarah Wachter
Writer at Swan
Product
October 12, 2023
Introducing SEPA Direct Debit to further build up your payment collection offering
Product
January 28, 2026
Introducing SEPA Direct Debit to further build up your payment collection offering
Learn why you should add SEPA Direct Debit to your payments arsenal!
Max Cutler
Writer at Swan
Product
March 6, 2023
Introducing German IBANs to help you localize your embedded banking features
Product
January 28, 2026
Introducing German IBANs to help you localize your embedded banking features
Swan now supports the creation and use of IBANs starting with ‘DE’ so you can win the trust of and bring familiarity to your German clients
Max Cutler
Writer at Swan
Product
November 4, 2021
Swan, Europe’s first public Sandbox for embedded banking
Product
January 28, 2026
Swan, Europe’s first public Sandbox for embedded banking
Swan’s Sandbox, which gives entrepreneurs and developers easy access to banking features, has been open to the EU public since November 2021.
Sarah Wachter & Pico Petershagen
Writer at Swan
Product
May 5, 2021
Requiem for the plastic payment card
Product
January 28, 2026
Requiem for the plastic payment card
What’s paper-thin, includes a computer that doesn’t need batteries, and remains intact when you toss it off a skyscraper? Sounds like NASA stuff, but it's just the good ol’ plastic payment card.
Sarah Wachter
Writer at Swan
Product
May 5, 2021
Virtual IBAN, an end to the tedious task and ongoing resources required for accounts reconciliation.
Product
January 28, 2026
Virtual IBAN, an end to the tedious task and ongoing resources required for accounts reconciliation.
With Swan you can assign limitless dedicated IBANs to each account and use it as an identifier when receiving payments.
Sarah Wachter
Writer at Swan
Company
January 28, 2026
2025 wrap-up: Closing the financial gap in Europe’s SMB software
Company
January 28, 2026
2025 wrap-up: Closing the financial gap in Europe’s SMB software
Europe’s leading SMB software platforms doubled growth in 2025 by building on Swan’s reliable, compliant rails. See the milestones, product launches, and what’s coming in 2026 that will power even faster scale.
Isabel Chiuchiolo
Writer at Swan
Company
January 28, 2026
Swan appoints Camille Tyan as CEO to support its new growth phase
Company
January 28, 2026
Swan appoints Camille Tyan as CEO to support its new growth phase
Swan announces Camille Tyan as CEO to drive operational excellence and European expansion, while co-founder Nicolas Benady transitions to President to focus on long-term strategy during a period of exceptional growth.
Swan Team
Writer at Swan
Company
January 28, 2026
Inside Swan: Where regulation meets human judgment
Company
January 28, 2026
Inside Swan: Where regulation meets human judgment
Inside Swan's KYC team: the people who keep our partners (and their users) safe.
Sarah Wachter
Writer at Swan
Company
January 28, 2026
An interview with Olivia Mark and Anne Le Bruchec: building Swan for the long term
Company
January 28, 2026
An interview with Olivia Mark and Anne Le Bruchec: building Swan for the long term
Sarah Wachter
Writer at Swan
Company
January 28, 2026
Beyond Compliance: Navigating DORA and operational resilience
Company
January 28, 2026
Beyond Compliance: Navigating DORA and operational resilience
What you need to know about the EU’s Digital Operational Resilience Act, in place as of 17 January 2025.
Steph Smith
Writer at Swan
Company
January 28, 2026
Swan secures €42M to lead Embedded Banking in Europe
Company
January 28, 2026
Swan secures €42M to lead Embedded Banking in Europe
When we started Swan, our vision was simple: to make it easy for businesses to offer banking features as part of their products. No unnecessary complexity, no compliance challenges—just sophisticated tools designed to work quietly in the background.Today, we’re thrilled to share a milestone in that journey: we’ve raised an additional €42 million in Series B funding to help make embedded banking the standard across Europe.
Swan Team
Writer at Swan
Company
January 28, 2026
Sustainability at Swan
Company
January 28, 2026
Sustainability at Swan
Discover Swan's Carbon Footprint Report 2023 and the concrete actions we're implementing to improve.
Etienne de Pierrefeu, Sustainability Analyst
Writer at Swan
Company
January 28, 2026
Il Rinascimento Tech Italiano: Why the Italian tech ecosystem might be the next big thing
Company
January 28, 2026
Il Rinascimento Tech Italiano: Why the Italian tech ecosystem might be the next big thing
Alessandro Giovanelli
Writer at Swan
Company
January 28, 2026
Swan advances internationalization with a new office in the Netherlands
Company
January 28, 2026
Swan advances internationalization with a new office in the Netherlands
The opening of our Amsterdam office is another milestone in our strategy to Europeanize.
Marnix van Deursen
Writer at Swan
Company
January 28, 2026
Swan sponsors 5 open source projects/month
Company
January 28, 2026
Swan sponsors 5 open source projects/month
Learn about Swan’s commitment to sponsoring open source projects
Mathieu Breton
Writer at Swan
Company
January 28, 2026
How Swan’s open source strategy reduces their customers' time to market by 75%
Company
January 28, 2026
How Swan’s open source strategy reduces their customers' time to market by 75%
Swan is the easiest way to embed banking features into your product. The European BaaS has open sourced its banking interfaces and reduced the time to market of new pilots by 75%.
Mathieu Breton
Writer at Swan
Company
January 28, 2026
Localizing embedded finance in Germany: what we have learned so far
Company
January 28, 2026
Localizing embedded finance in Germany: what we have learned so far
As a European BaaS, the best way to win over new customers is to localize. Here's how.
David Frei
Writer at Swan
Company
January 28, 2026
Are all BaaS accountable for compliance and anti-fraud in the same way?
Company
January 28, 2026
Are all BaaS accountable for compliance and anti-fraud in the same way?
Lean how Swan’s regulatory approach encourages accountability and transparency for all stakeholders
Stéphie Ndinga
Writer at Swan
Company
January 28, 2026
La nueva ola: why embedded finance is about to take off in Spain
Company
January 28, 2026
La nueva ola: why embedded finance is about to take off in Spain
With the country’s new Startup Law and other positive developments, fintech in Spain is poised for explosive growth
Max Cutler
Writer at Swan
Company
January 28, 2026
Becoming a European company: Part II
Company
January 28, 2026
Becoming a European company: Part II
What we learned one year into hyper-localizing our BaaS platform for European expansion
Florent Tardivel
Writer at Swan
Company
January 28, 2026
Tech for equity: Big, utopic ideas from 18 techies
Company
January 28, 2026
Tech for equity: Big, utopic ideas from 18 techies
As a tech company, we need to strive to do more to build an equitable future. We thought a good start would be a compilation of ideas from our network of inspiring friends!
Stéphie Ndinga
Writer at Swan
Company
January 28, 2026
People make the (BaaS) world go ‘round
Company
January 28, 2026
People make the (BaaS) world go ‘round
When choosing an embedded finance partner for your business, the expertise and knowledge of Swan's team makes all the difference
Max Cutler
Writer at Swan
Company
January 28, 2026
Swan’s Banking-as-a-Service: the easy choice
Company
January 28, 2026
Swan’s Banking-as-a-Service: the easy choice
Learn how Swan’s fast and easy BaaS solution can drive your embedded finance project forward
Max Cutler
Writer at Swan
Company
January 28, 2026
European fintech Swan reaches 100+ employees
Company
January 28, 2026
European fintech Swan reaches 100+ employees
From just a handful of devs to a blossoming scaleup: Swan’s team now represents 17 nationalities across Europe with offices in Paris and Berlin.
Sarah Wachter
Writer at Swan
Company
January 28, 2026
Meet Stephie Ndinga, Swan’s Chief Compliance Officer
Company
January 28, 2026
Meet Stephie Ndinga, Swan’s Chief Compliance Officer
How Swan’s Chief Compliance Officer helped set the foundation for Swan to scale its European Banking-as-a-Service. Plus, catch her thoughts on how to fuel your own ambitions!
Sarah Wachter
Writer at Swan
Company
January 28, 2026
Swan - Becoming a European company
Company
January 28, 2026
Swan - Becoming a European company
Swan already makes it possible for companies across 30 European countries to embed financial products. Yet, that's just the start of our journey to become a truly European company. Next up: more international employees at Swan!
Florent Tardivel
Writer at Swan

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SWAN is a simplified joint-stock company (SAS) registered with the Paris Trade and Companies Register under number 853 827 103, having its headquarters at 91 rue du Faubourg Saint-Honoré 75008 Paris, FRANCE, and represented by its President Nicolas Benady.
Swan is a licensed electronic money institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), under the REGAFI identifier 86245 and identification code 17328 K, with authorisation granted on 04/06/2020.
All client funds held by Swan are safeguarded in full compliance with applicable regulations. These funds are segregated and deposited with our banking partner, BNP Paribas. In the unlikely event of BNP Paribas defaulting, client deposits are protected by the French Deposit Guarantee and Resolution Fund (FGDR) up to €100,000 per client, offering an additional layer of financial security.