Global payments infrastructure is moving rapidly toward digital rails as major banks embrace blockchain-based settlement. Swift announced on Sept. 29 at its Sibos conference in Frankfurt that it will build a blockchain-powered shared ledger designed for round-the-clock cross-border transactions. Backed by more than 30 global financial institutions across 16 countries, the initiative aims to expand Swift’s established role in financial messaging into real-time tokenized value movement while ensuring resilience, compliance, and interoperability.

Swift explained the project’s early stages:

Swift already has kicked off work with a group of more than 30 financial institutions globally to design and build the ledger, focused on a first use case of real-time 24/7 cross-border payments and starting with a conceptual prototype by Consensys.

“Swift will work at pace to complete the prototype in phase one and define its future phases of work,” the announcement notes.

The organization added:

Financial institutions from 16 countries are providing Swift feedback on the design of the ledger, and, following successful development and proof of concept, Swift will work with its global community on implementation.

Institutions participating include Absa, Akbank, ANZ, Banco Santander, Bank of America, Banorte, BBVA, BNP Paribas, BNY, Bradesco, Citi, Commerzbank, Crédit Agricole, DBS Bank, Deutsche Bank, Emirates NBD, First Abu Dhabi Bank, Firstrand Bank, HSBC, Itaú Unibanco, JP Morgan Chase, Mizuho, MUFG, Natwest, OCBC, Royal Bank of Canada, Saudi Awwal Bank, Shinhan Bank, Societe Generale-Forge, Standard Chartered, TD Bank Group, UOB, Wells Fargo, and Westpac.

The initiative reflects Swift’s strategy to modernize traditional rails while preparing for a digital future. Swift is a global member-owned cooperative and the world’s leading provider of secure financial messaging services. Its platform links more than 11,500 banking and securities organizations, market infrastructures, and corporate clients in over 200 countries and territories. Advocates argue that this scale, neutrality, and security position Swift uniquely to set industry standards for blockchain adoption.

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