Swan selects Owen to power insurance across European financial management software

When Swan—one of Europe’s leading embedded banking platforms—sought an insurance partner, the criteria were clear: European coverage from day one, API-first integration aligned with its developer standards, and the operational maturity to scale within a regulated banking environment. 

Owen was selected because our platform was built for exactly that.

Swan's Insurance Checklist: API Integration, European Coverage, Zero Operational Burden

What Swan Needed

• Insurance products that integrate as smoothly as banking APIs—no separate journeys 
• Pan-European coverage without a patchwork of market-by-market solutions
• Full claims automation and customer self-service (no manual operations bottlenecks)
• The ability to seamlessly white-label insurance into fintech brands

How Owen Delivered

• Modular API architecture mirroring Swan's banking stack
• Pre-built European insurance programs, compliant from day one
• End-to-end digital claims management (already proven with Younited, Mooncard, GreenGot)
• Full front-end customization to match each fintech's brand and user experience

All insurance products are designed to integrate seamlessly into existing banking journeys, ensuring consistency for software platform teams and clarity for end users.

Proven Technology, Trusted by Tier-1 Fintechs

What set Owen apart from other Insurtechs:

• Infrastructure mindset: Owen's platform was designed to integrate with regulated financial services from the start, not retrofitted from consumer insurance distribution.
• European-first architecture: Unlike UK or US-centric platforms expanding into Europe, Owen built multi-market compliance and coverage natively.
• Operational maturity: Owen already manages end-to-end insurance operations for fintechs processing over 1 million in card volume.

Owen's platform is already deployed with leading European fintechs and financial institutions—Younited, GreenGot, Mooncard—managing both insurance distribution and claims end-to-end.

For Swan’s clients, this translates into faster time-to-market and insurance products that feel native to their financial products, not added as an afterthought.

Insurance that feels truly native to banking, not constantly lagging behind

When fintechs, neobanks, or accounting software platforms design financial products, they do so based on real user behaviors: paying suppliers instantly, traveling for work, managing subscriptions in two clicks, purchasing major equipment, or issuing cards to employees are all part of everyday business life. 

For Owen, insurance should follow the same logic.

• A founder travels abroad and pays with a Swan-powered card - Travel coverage is already integrated.
• An employee books a train ticket for a client meeting - Relevant protections linked to the card are built in and easily activatable 
• A business purchases new equipment - Coverage can be connected to that transaction.
• A card is lost or used fraudulently - Assistance is accessible directly from the financial interface

There is no separate portal to search for, no paperwork sent back and forth by email, and no disconnected claims process.

If something happens, the user reports it within the same environment they use to manage their finances. The journey remains digital, clear, and transparent from start to finish.

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A Shared Vision of Embedded Financial Services

Swan enables financial management software and business SaaS platforms to quickly build and scale regulated banking products—cards, accounts, payments—across Europe under their own brand. 

At Owen, our mission is to make insurance as modular, API-driven, and product-native as modern banking, by embedding relevant protections directly into financial products, exactly when they are needed.

The collaboration between Swan and Owen naturally extends banking products with insurance, using the same product logic: embedded, scalable, and compliant by design.

What This Partnership Shows About the Future of Embedded Insurance

This partnership with Swan marks an important step in expanding embedded financial services across Europe.

In the coming months, Owen and Swan will continue to:

• Expand insurance use cases aligned with banking and card usage
• Expand geographic coverage across European markets
• Strengthen automation in claims and customer self-service
• Develop new insurance products tailored to fintech and SaaS platforms 

The goal is clear: enable fintech companies to design more sophisticated financial products by combining banking and insurance in a single, coherent stack.

What makes this partnership strong is not only the vision, but the execution. Swan's banking infrastructure and Owen's embedded insurance platform follow the same product logic: API-first, scalable, and designed for real usage. Together, we give fintechs the ability to ship richer financial products without adding operational complexity.

Thibault Masson, Co-founder of Owen 

"Our ambition at Swan is to help our clients build complete financial products that genuinely serve their users. Owen’s embedded insurance platform fits naturally into our stack, making it possible to integrate insurance with the same simplicity, control, and reliability as our banking products."

Julien Mettoudi, VP Product & Operations - Payment at Swan

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About Owen

Owen is an insurtech company dedicated to embedded insurance for fintechs, SaaS platforms, and digital businesses. Through a modular API platform, Owen enables partners to distribute insurance products and manage claims digitally across multiple European markets.

About Swan

Swan is a European fintech specializing in embedded banking. Businesses of all types can unlock the full potential of their product by integrating Swan's banking features, such as accounts, cards, and payments. Swan processes over €2 billion in monthly transactions for more than 150 companies—like Pennylane, Indy, Agicap, Libeo, and Lucca—and operates in 30 European countries.