Embedded Finance is essential: Swan raises 42 million euros to extend its model in Europe

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There Integrated finance (Embedded Finance) upset this traditional model of banks in allowing non -financial companies to directly integrate banking services into their products and platforms.

Concretely, accounting management software can offer the opening of accounts, card emission or payments processing without the user having to go through a bank. Banking services become a native function of the tools that companies use on a daily basis.

Embedded Finance platforms, like Swan, provide Banking in white label infrastructureallowing any company to add financial features without subjecting the regulatory requirements of the banking sector.

An evolution towards a banking infrastructure model

Since its creation in 2019, Swan has established itself as an essential technological partner for companies seeking to monetize their financial flows. Far from being a simple supplier of solutions, the company is positioned as A structuring link in the future banking landscape in Europe. This rise in power marks a turning point for Swan, which now goes beyond its status as a fintech startup to become A standardized banking infrastructurecapable of operating on a continent scale.

Owner technology for total control

Swan’s success is based on a deep integration model for financial services, combining Owner technology, regulatory expertise and European scalability. Unlike many actors based on third -party solutions, Swan has developed its own Core Banking Systemallowing it to control all of its infrastructure without depending on an external service provider.

This autonomy results in several strategic advantages:

  • Total control on the roadmap producedwith a rapid innovation capacity.
  • Localized Iban To facilitate adoption in various European markets.
  • Complete compliance management (KYC, fight against fraud, regulatory supervision) to release its customers from administrative constraints.

Thanks to this positioning, Swan has seduced businesses like Pennylane, Indy, Agicap, Libeo and Luccawhich integrate its banking services directly into their products to offer a seamless user experience.

A structuring market

Integrated finance now represents a global market valued at $ 185 billionof which 72 billion in Europe. Yet, Only 20 % of this potential is currently operatedleaving a considerable room for growth for B2B banking infrastructure.

In this context, competition is strengthening. Actors like Stripe Treasury, Solaris or Weavr try to impose their models, each with differentiated strategies: some favor backing on banking institutions, others, such as Swan, bet on complete integration and total control of the services offered.

The management of regulatory compliance in several European jurisdictions constitutes another key issue, while regulators strengthen their surveillance on finals operating on a large scale.

A fundraising to strengthen European expansion

To support its development, Swan announces an extension of its B series with additional financing of 42 million eurosled by Eight Roads Ventures. Historical investors Lakestar, Accel, Creundum, Hexa and Bpifrance Digital Venture also participate in the operation.

This lifting aims to accelerate deployment in Europeespecially in Italyand at Develop tailor -made banking solutions for SMEs. Swan also provides 85 recruitments in order to strengthen its technical and commercial teams.