Swaive
Swaive is a French fintech founded in 2024 that aggregates risk-free savings products from partner banks on a single digital platform. It targets French individual savers and SMEs with idle cash on non-remunerated current accounts, earning revenue through bank intermediation fees.
- Company typePrivate
- Founded2024
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Swaive does
Swaive is a French fintech founded in January 2024 by Karen-Laure Mrejen, operating a digital platform at swaive.fr that aggregates risk-free savings products from traditional French banks. The company targets French individual savers (particuliers) holding idle cash in non-remunerated current accounts, alongside small and medium enterprises (PME), freelancers (indépendants), liberal professions, holding companies, real estate companies, and startups. Swaive's value proposition is anchored in a documented market gap: French households left approximately €49 billion in interest uncollected in 2023 while €1,413 billion sat idle on current accounts.
The platform offers three core product categories. Term deposit accounts (comptes à terme) provide fixed rates guaranteed at subscription with durations from 6 months to 5 years (up to 3.00% over 5 years as of the source date). Savings accounts (livrets d'épargne) offer variable rates with instant liquidity. Money market funds (fonds monétaires pro) serve professional clients with daily interest accrual and 72-hour withdrawal. All products carry 100% capital guarantees and FGDR protection up to €100,000 per person per bank. Supporting the suite are two educational tools: a patrimoine simulator projecting wealth accumulation, and an opportunity-cost calculator quantifying lost earnings from idle cash. The technology stack includes AWS for EU-compliant cloud hosting, MangoPay for payment wallet infrastructure, and Yousign and Universign for electronic signatures, with iOS and Android mobile applications in addition to the web app.
Swaive operates a product-led growth model with self-serve digital onboarding. The platform charges no user-facing fees and generates revenue through intermediation arrangements with partner banks, taking a transaction-based fee on deposits placed through the platform. Marketing is executed via an educational blog authored by the CEO, a monthly newsletter, and earned media in BFM Business, Les Echos, and Le Figaro. In July 2024 the company closed a €2.2 million pre-seed round led by Aglaé Ventures with participation from Motier Ventures, family offices, and business angels, with a stated goal of managing €500 million in deposits within 18 months of launch.
Swaive firmographics
Firmographics- Name
- Swaive
- Legal name
- Swaive
- Website
- https://swaive.fr
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Swaive is a French fintech founded in 2024 that aggregates risk-free savings products from partner banks on a single digital platform. It targets French individual savers and SMEs with idle cash on non-remunerated current accounts, earning revenue through bank intermediation fees.
- Ownership category
- akta.pro rank
Swaive industry classification
Industry- Product category
- Digital Savings Platform
- NAICS
- Portfolio Management and Investment Advice (523940), Finance and Insurance (52)
- SIC
- Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
- akta.pro secondary industries
- Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)
Keywords
Where Swaive is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Swaive business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform intermediation fees: Swaive acts as an intermediary platform connecting savers with banking partners. The company earns revenue through partnerships with traditional banks who provide the underlying savings products, likely through commission or fee arrangements based on deposits placed through the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Savings products (livrets) - variable rate, instant access |
| Usage-based | Pay-as-you-go | Term deposits (comptes à terme) - fixed rate, time-limited |
| Usage-based | Pay-as-you-go | Professional money market funds (fonds monétaires pro) |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Swaive product offering
Product offeringCore offering
Swaive operates a French digital intermediation platform that aggregates risk-free savings products — term deposits, savings accounts (livrets), and professional money market funds — from multiple partner banks, allowing users to subscribe in a few clicks with 100% capital guarantee and FGDR protection up to €100,000 per person per bank. The platform targets both individual savers (particuliers) and professional clients (SMEs, freelancers, startups, holding companies, real estate companies, and liberal professions) seeking to earn returns on idle cash held in non-interest-bearing current accounts.
Product overview
Swaive is a savings management platform offering risk-free investment products primarily through partnerships with traditional French banks. The core product portfolio consists of two main account types: term deposit accounts (Comptes à terme) and savings accounts (Livrets), each available in individual and professional variants. The platform aggregates offerings from multiple banks, allowing users to access better rates through mutualization while benefiting from 100% capital guarantee and FGDR protection up to €100,000. Professional offerings additionally include money market funds (Fonds monétaires pro) with daily liquidity. The platform provides complementary planning tools including a wealth simulator and opportunity cost calculator to educate users on savings optimization.
Differentiator
Problem solved
Functional benefit
Products and services
- Comptes à terme particuliers (Individual Term Deposit Accounts) Fixed-rate term deposit accounts for individuals offering guaranteed interest rates at subscription, with 100% capital guarantee and FGDR protection up to €100,000. Available in durations from 6 months to 5 years, with funds available within 32 days at maturity.
- Livrets d'épargne particuliers (Individual Savings Accounts) Variable-rate savings accounts (livrets) for individuals offering 100% capital guarantee at any time, immediate fund availability, and FGDR protection up to €100,000 per person per bank.
- Comptes à terme pro (Professional Term Deposit Accounts) Fixed-rate term deposit accounts designed for businesses and professionals (SMEs, freelancers, liberal professions, holding companies, real estate companies), offering the same 100% capital guarantee, fixed rates at subscription, and FGDR protection as the individual variant. Durations from 6 months to 5 years.
- Fonds monétaires pro (Professional Money Market Funds) Money market funds for businesses and professionals offering daily interest payments, 100% fund availability with 72-hour withdrawal, and no fixed commitment period. Invests in secure short-term securities from prime borrowers, providing flexible treasury management.
Quantifiable outcome
- €49 billion in unclaimed interest annually for French savers
- +2 more outcomes
Companies that use Swaive
Customer profileSegments7 records
Ideal customer profiles3 records
Swaive technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Swaive partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- Traditional French BankscoreSwaive partners with traditional banks to offer term deposits and savings accounts to French savers through its platform. Banks provide the underlying savings products while Swaive provides the digital distribution platform and customer interface.
- Amazon Web Services (AWS)coreAWS provides secure cloud hosting for Swaive's data infrastructure within the European Union, ensuring compliance with GDPR and European data protection regulations.
- YousignsupportingElectronic signature solution enabling customers to sign contracts digitally for account opening and investment transactions.
- UniversignsupportingElectronic signature solution for secure digital contract signing, complementing the document signing process.
- MangoPaycorePayment wallet solution for maintaining user wallets and processing financial transactions on the Swaive platform.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Swaive competitors and assessment
Company assessmentDirect peers
- Yomoni: French robo-advisor serving retail investors with diversified portfolios, competing for the French household savings reallocation flow Swaive is tapping.
- Cashbee: French savings aggregation platform offering term deposits and livrets from multiple partner banks in a single interface — the closest direct competitor to Swaive in terms of product, target customer and bank-aggregation model.
- Nalo: French wealth-tech offering managed investment portfolios and life-insurance wrappers to individual savers; competes for the same 'idle cash' French retail saver that Swaive targets.
- Ramify: Paris-based wealth management platform serving both particuliers and professionals with managed savings and investment solutions; overlaps with Swaive's individual and pro cash-management segments.
Broad incumbents
- Boursorama Banque: France's largest online bank offering its own livret, term deposits and savings products directly; a broad incumbent against which Swaive positions its partner-bank rates.
- Lydia: French consumer fintech super-app with payment, savings and investment features; provides a broader platform benchmark for Swaive's self-serve digital distribution model in France.
- Linxo: French account-aggregation and personal finance management platform (now part of Crédit Agricole) — an incumbent comparison point for Swaive's multi-bank aggregation layer.
Regional players
- Anytime: French neobank and Mastercard offering multi-currency accounts and savings features, addressing an overlapping French SMB and individual customer base.
- Qonto: French business banking platform for SMEs and indépendants; competes with Swaive for the SME treasury and freelance cash-management use case.
- Pumpkin: French fintech offering savings and short-term investment products to retail savers; another regional competitor chasing the same French idle-cash pool.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Swaive social profiles
Digital presenceSwaive financial estimates
Financial estimateRevenue estimate
Valuation estimate
Swaive leadership team
Management profileNumber of profiles
Profiles1 record
Swaive funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Swaive M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Swaive
What does Swaive do?
Swaive operates a French digital intermediation platform that aggregates risk-free savings products — term deposits, savings accounts (livrets), and professional money market funds — from multiple partner banks, allowing users to subscribe in a few clicks with 100% capital guarantee and FGDR protection up to €100,000 per person per bank. The platform targets both individual savers (particuliers) and professional clients (SMEs, freelancers, startups, holding companies, real estate companies, and liberal professions) seeking to earn returns on idle cash held in non-interest-bearing current accounts.
Is Swaive a public or private company?
Swaive is a private company. It is classified as venture growth investor backed and is currently operating.
When was Swaive founded?
Swaive was founded in 2024. It employs 1 to 10 people.
Where is Swaive based?
Swaive is headquartered in Paris, France, in the Europe region.
How does Swaive make money?
One revenue line is on record: platform intermediation fees.
Who are Swaive's main competitors?
Direct peers on record are Yomoni, Cashbee, Nalo and Ramify. Broad incumbents are Boursorama Banque, Lydia and Linxo. Regional players are Anytime, Qonto and Pumpkin.
Does Swaive have an API?
No public API is recorded for Swaive.
What industry is Swaive in?
Swaive's product category is Digital Savings Platform. Its primary akta.pro industry code is FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value), with a secondary code of FSAGAAAG, Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration). Its NAICS code is 523940 and its SIC code is 6282.