Swift, the global financial correspondence network that serves more than 11,000 institutions worldwide, launched a pioneering test program Blockchain payments Using Ethereum’s Layer 2 Solution Linea. The initiative, which started at about 26-28 September 2025, represents a major transformation of the traditional Swift role of the correspondence only towards the capabilities of the direct settlement on the series.
The main financial institutions, including BNP Paribas and Bny Mellon They participate in this experimental program, along with more than ten other banks. Cooperation aims to combine payment and settlement instructions in one treatment of the series, which may revolutionize the speed and efficiency of the boundaries with the reducing dependence on the mediators.
The experimental program explores the integration of Stablecoins and the development of the “distinctive code code” that can quickly transform from the correspondence service to the direct value transmission platform. This technological transformation comes as The Stablecoin market exceeds 230 billion dollars Distinguished assets are expected to reach $ 16 trillion by 2030.
Swift Blockchain development
Swift’s entry to Blockchain technology depends on previous experiments, including the general and private Blockchains transmission experiments through August 2023. These previous tests showed the ability to reduce friction in the distinctive asset markets and enable them to mature.
The current pilot represents a more ambitious pledge, focusing on the actual time level instead of just messages. An unprecedented source described the effort as a “technological transformation” for the international payment manufacturer, with a focus on the possibility of reshaping the global payment infrastructure.
Tom Zachash, the chief innovation employee in Swift, acknowledged the upcoming challenges, especially with regard to the legal alignment between Blockchain’s assurances and traditional legal finals models. The need for specialization remains very important to ensure recognition of settlements on the chain in court systems around the world.
The experimental program will take several months to achieve it completely, but early indicators indicate great potential to improve the speed of treatment, transparency and programming programming in the processing processing. The wide Swift network of financial institutions puts unique jobs to advance the prevailing Blockchain technology adoption in traditional banking services.
The role of the network for why
Swift Lina, the chosen after months of negotiations, to ensure that the solution of layer 2 can replace the current central infrastructure. Linea, developed by Consensys, was chosen for ZK-Rollup technology, which provides low-cost and highly productive transactions while maintaining security standards in Ethereum.
The platform concentration is compatible with privacy through completely advanced encryption evidence with the organizational compliance needs of banks. Evidence of zero knowledge ensures that the customer’s sensitive data remains safe during the test, and addresses the main concerns of financial institutions operating under strict privacy regulations.
Linea compatibility with Echerum’s ecological system provides additional advantages, including access to decentralized financing protocols and smart contract functions. The network focus on the privacy of transactions makes it particularly suitable for cases of institutional use where confidentiality is of utmost importance.
Market reactions to rapid cooperation were significantly positive. The original symbol in Linea increased 15 % Within hours of advertising, the investor’s strong confidence in the increasing role of Blockchain in global financing and the possibility of widespread adoption.
Market effect and future effects
Swift-Linea’s cooperation comes at a pivotal moment to adopt digital assets, coinciding with the United States, which is going through the first federal Stablecoin in July 2025. This regulatory landmark encouraged banks to explore their symbolic solutions and integrate Blockchain.
The main benefits of Blockchain Integration include:
- Settlement across the border in real time
- Low costs of transactions through fewer brokers
- Enhancing transparency capabilities and tracking capabilities
- Programmed payment functions via smart contracts
- Improving operational efficiency across financial networks
The pilot’s success may accelerate the adoption of Blockchain technology via traditional banking systems. As organizational frameworks continue to evolve, financial institutions are increasingly integrating Blockchain necessary to maintain competitive advantages.
Industry experts believe that this initiative indicates a shift towards hybrid systems where the old and pioneering bars coexist. This integration can compete with current Blockchain payment networks like Ripple, providing existing institutions a way to update their infrastructure.
The broader effects extend beyond the Swift network, which may affect how central banks deal with the development of the digital currency and how commercial banks create their Blockchain strategies. The project is in line with the growing institutional interest in distinguished assets and the role of expansion in Stablecoins in World Trade.
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The Fuse Linia is a flat moment for the cryptocurrency and Blockchain’s adoption in traditional financing. With the progress of the project in the coming months, its results are likely to affect regulatory decisions, Blockchain institutional strategies, and the broader pathway to the integration of digital assets in global payment systems, which may accelerate the transformation of international financial infrastructure.
- Layer 2
- Blockchain secondary protocol is built on the top of the current Blockchain group to improve expansion and reduce transactions. Layer 2 solutions processing the main Blockchain transactions while maintaining safety through the basic network.
- ZK-Rollup
- Type of layer scaling 2 layer uses zero knowledge guides to collect multiple transactions together. This technology provides faster and cheaper transactions while maintaining security guarantees from the main Blockchain.
- Stablecoin
- A type of cryptocurrency designed to maintain a stable value by adhering to a reserve asset like the US dollar. Stablecoins provides the benefits of digital currency while reducing price fluctuations that distinguish other cryptocurrencies.
- Zero knowledge of proofs
- Advanced encryption methods that allow one of the parties to prove that it has certain information without revealing the same information. This technology allows the transactions and accounts to maintain privacy on Blockchain networks.
- Symbolic origins
- Traditional financial tools or assets in the real world converted into digital codes on Blockchain. This process allows the ownership of fractures, improving liquidity, and programming features of various asset categories.
