SWIFT Multi-Chain Era is now open: See how XRP liquidity and XLM remittances fit into SWIFT future.
At this year Davos event, SWIFT executives shared another big news. CEO Javier Pérez-Tasso joined a panel discussion with Circle’s Gordon Lao, where they talked about building a bridge between traditional finance and digital finance.
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SWIFT Is Putting Focus On Liquidity & Speed
SWIFT, a 50-year-old financial group, needed a solution for instant settlement of cross-border transactions. Blockchain is perfect for this. Currently, most of the work banks do relies on SWIFT new ISO 20022 messaging standard.
SWIFT CEO also mentioned that programmable infrastructure could be used to expand liquidity access, which Ripple’s XRP Ledger already does. The panel was moderated by members of Standard Chartered’s SC division, which explores new financial technologies.
According to ISO 20022, Ripple XRP Ledger is perfect, Stellar Lumens (XLM) and Hedera Hashgraph (HBAR) are also compatible. Both fit the ISO 20022 gold standard, which 95% of SWIFT partner banks are expected to adopt by February 2026.
But Ripple is different because its transaction volume is always very high. Daily $5 billion trades are smaller than SWIFT $155 trillion annual volume, but XRP fraction-of-a-cent fees and instant settlement are exactly what SWIFT wants.
HBAR Tops XRP By Key Metric In SWIFT Race
Technically speaking, Hedera Hashgraph is the fastest, it can process 10,000 transactions per second, which could theoretically handle trillions of dollars. SWIFT has not yet revealed which performed better, XRP or HBAR – in the late 2025 on-rail testing.
On the other hand, one thing is clear, SWIFT doesn’t want to replace every legacy system, it just wants a smooth connection. Distributed Ledger Technology based tokens like Ripple and HBAR can be used for delivery-versus-payment (DvP), bond redemptions, custody, and payment agency.
On The Flipside
There are wider regulatory requirements for other digital assets, other than stablecoins, that may preclude ISO 20022 compatibility.
Why This Matters
Building a bridge between traditional finance and digital finance benefits both parties, adoption enables better customer protection and 24/7 instant banking.
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People Also Ask – SWIFT Multi-Chain Era:
What did SWIFT achieve by early 2026?
SWIFT completed a test in which several banks could transfer tokenized bonds using blockchain and legacy systems.
Is SWIFT building its own blockchain?
No. SWIFT is integrating blockchain into its system to enable 24/7 fast cross-border payments, but will continue to use its legacy messaging system.
Does SWIFT prefer one blockchain?
No. SWIFT supports all blockchains, and there is no single winner. The ISO 20022 standard allows all systems to work together.
Why is XLM (Stellar) useful in this system?
Stellar supports low-cost and easy cross-border payments, remittances, and stablecoins/CBDCs. It is compatible with ISO 20022.
What could accelerate XRP/XLM adoption?
- Growth of tokenized assets and CBDCs
- Clear rules for regulators, such as Europe MiCA
- Fast payment pilots for banks
- Smooth connections between disparate systems
