Swan Cards vs Vodeno Cloud Platform

Swan Cards provides embedded banking features—accounts, cards, and payments—for companies integrating financial services into their own products. Swan presents its platform to European software companies adding white-labeled banking. Its Mastercard debit cards come in virtual, physical, and digital formats, including single-use virtual cards. They can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported. Partners can set spending limits and payment rules based on amount, currency, merchant, city, or country. Card packages have different spending limits and FX fees: Standard, Essential, and Premium list €10,000, €40,000, and €100,000 limits, with fees of 2%, 1%, and 0%, respectively. Swan offers a GraphQL API, a ready-made web banking interface, and an open-source frontend for customization. API calls must originate from a partner’s backend, not a frontend app. The free Sandbox uses fake accounts, cards, and payments. Paid service starts at €2,990/mo.

Vodeno Cloud Platform is a cloud-native, API-based Banking-as-a-Service platform for banks, licence holders, and businesses embedding banking services in business ecosystems. Its offerings include accounts, onboarding, payments, cards, savings, lending, and Buy Now, Pay Later. A no-code core banking system lets clients define and automate business processes, while a single API integration accesses an ecosystem of nearly 90 integrated partners. For legacy integration patterns such as SOAP or MQ, the platform provides an Integration Bridge. Vodeno describes KYC/AML and anti-fraud management with 500+ controls, and says client activity is logged chronologically, encrypted with customer-specific keys, and linked using blockchain algorithms. Access to Aion Bank's full banking licence is described as supporting services across 15 EU markets; local IBANs are listed for Belgium, Germany, Poland, and Sweden. Customer apps include iOS, Android, and web, with white-label mobile apps available. The platform serves retail and corporate end users through its customers. Pricing is on request.