This path syntax should also work in fiona, but need creds set with GDAL_HTTP_HEADER_FILE (or GDAL_HTTP_HEADERS)
ogrinfo /vsizip/vsicurl/https://archive.swot.podaac.earthdata.nasa.gov/podaac-swot-ops-cumulus-protected/SWOT_L2_HR_RiverSP_2.0/SWOT_L2_HR_RiverSP_Reach_010_001_AF_20240125T004648_20240125T004658_PIC0_01.zip
INFO: Open of `/vsizip/vsicurl/https://archive.swot.podaac.earthdata.nasa.gov/podaac-swot-ops-cumulus-protected/SWOT_L2_HR_RiverSP_2.0/SWOT_L2_HR_RiverSP_Reach_010_001_AF_20240125T004648_20240125T004658_PIC0_01.zip'
using driver `ESRI Shapefile' successful.
1: SWOT_L2_HR_RiverSP_Reach_010_001_AF_20240125T004648_20240125T004658_PIC0_01 (Line String)