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Our presence at Sibos 2025 reinforced our commitment to driving innovation across the payments landscape.
Swift organized another blockbuster event this year, with no shortage of compelling sessions, big announcements, and opportunities for us to meet our customers face to face. The conversations throughout the week underscored just how dramatically the banking and payments landscape is shifting.
It is clear that innovation is accelerating at a pace that demands both agility and intention. Banks and market infrastructures are under increasing pressure to evolve: not only to compete but to remain relevant in a rapidly fragmenting ecosystem.
Sibos highlighted Swift's ongoing modernization roadmap, represented recently through new cross-border payment rules. The global payments network is being rebuilt from the inside out, and it is being designed not just to meet today’s regulatory demands, but to anticipate tomorrow’s expectations for frictionless, data-rich financial exchange.
This announcement touches on a long-standing tension, one repeatedly touched on during conversations at Sibos: the balancing act banks must play between innovation and their obligation to modernize responsibly.
As a long-standing Swift Partner, IntellectEU had the opportunity to contribute to discussions as part of the Enabler User Group. A pre-event was held so that industry leaders and technology providers could come together to examine how collaborative innovation can accelerate adoption of Swift capabilities.
IntellectEU’s Hanna Zubko underscored the value of trusted enablers in bridging the gap between new standards and real-world implementation, helping financial institutions maximize the benefits of modernization while managing operational complexity.
One of the week’s most significant announcements was Swift’s news about introducing a blockchain-based ledger to its infrastructure stack. This marks a pivotal step in bridging the gap between traditional financial rails and the digital asset economy.
The new ledger will allow financial institutions to process tokenized fund subscriptions and redemptions directly through Swift, using familiar ISO 20022 messaging from their existing systems. In essence, Swift is extending its trusted communication role into a digital environment, facilitating the trusted, scalable movement of regulated tokenized value across digital ecosystems.
Swift’s focus remains on the infrastructure, while the types of tokens and use cases that run on this network will be defined by commercial and central banks. But the message is clear: digital assets are moving to mainstream production, and Swift intends to be at the heart of that evolution.
IntellectEU Head of Delivery, Bruno Almeida took the stage alongside Ubyx's Nicole Sandler during Sibos to explore the massive opportunity of stablecoins and tokenized deposits.
Together they took their audience through fascinating analysis on tokenization and how evolving policy is reshaping the future of money. The talk emphasized the importance of robust clearing models and regulatory alignment to ensure that the “Internet of Value” becomes a reality.
Hanna Zubko joined an expert panel to discuss the transformative role of artificial intelligence in payments. Hanna highlighted how collaboration between banks, fintechs, and enablers will determine how effectively AI can be deployed to create faster, smarter, and more resilient payment ecosystems.
Institutions remain central to the financial system, but the ground beneath them is shifting. Fintechs and digital-native platforms are capturing territory and redefining expectations around speed, transparency, and experience. But banks still hold the cards that matter most: trust, regulatory expertise, and robust infrastructure. The challenge lies in turning those strengths into catalysts for innovation rather than constraints.
Hanna Zubko joined industry peers to debate the evolving role of banks as the payments ecosystem changes. The conversation tackled questions of trust, resilience, and innovation, asking how traditional institutions can reinvent themselves to remain central to the next generation of payments. Hanna focused her time on the importance of embracing and understanding the impact of major technological changes, such as the adoption of stablecoins, agentic AI, and quantum.
At IntellectEU, we’re proud to help our clients embrace these changes with confidence. Our work blends deep technical expertise in Swift enablement, AI, DLT, and next-generation payment infrastructure with a commitment to interoperability and modernization.
A sincere thank you to everyone who shared their insights and perspectives at Sibos. The future of finance is being built together, and we’re proud to be part of that journey.
Swift organized another blockbuster event this year, with no shortage of compelling sessions, big announcements, and opportunities for us to meet our customers face to face. The conversations throughout the week underscored just how dramatically the banking and payments landscape is shifting.
It is clear that innovation is accelerating at a pace that demands both agility and intention. Banks and market infrastructures are under increasing pressure to evolve: not only to compete but to remain relevant in a rapidly fragmenting ecosystem.
Sibos highlighted Swift's ongoing modernization roadmap, represented recently through new cross-border payment rules. The global payments network is being rebuilt from the inside out, and it is being designed not just to meet today’s regulatory demands, but to anticipate tomorrow’s expectations for frictionless, data-rich financial exchange.
This announcement touches on a long-standing tension, one repeatedly touched on during conversations at Sibos: the balancing act banks must play between innovation and their obligation to modernize responsibly.
As a long-standing Swift Partner, IntellectEU had the opportunity to contribute to discussions as part of the Enabler User Group. A pre-event was held so that industry leaders and technology providers could come together to examine how collaborative innovation can accelerate adoption of Swift capabilities.
IntellectEU’s Hanna Zubko underscored the value of trusted enablers in bridging the gap between new standards and real-world implementation, helping financial institutions maximize the benefits of modernization while managing operational complexity.
One of the week’s most significant announcements was Swift’s news about introducing a blockchain-based ledger to its infrastructure stack. This marks a pivotal step in bridging the gap between traditional financial rails and the digital asset economy.
The new ledger will allow financial institutions to process tokenized fund subscriptions and redemptions directly through Swift, using familiar ISO 20022 messaging from their existing systems. In essence, Swift is extending its trusted communication role into a digital environment, facilitating the trusted, scalable movement of regulated tokenized value across digital ecosystems.
Swift’s focus remains on the infrastructure, while the types of tokens and use cases that run on this network will be defined by commercial and central banks. But the message is clear: digital assets are moving to mainstream production, and Swift intends to be at the heart of that evolution.
IntellectEU Head of Delivery, Bruno Almeida took the stage alongside Ubyx's Nicole Sandler during Sibos to explore the massive opportunity of stablecoins and tokenized deposits.
Together they took their audience through fascinating analysis on tokenization and how evolving policy is reshaping the future of money. The talk emphasized the importance of robust clearing models and regulatory alignment to ensure that the “Internet of Value” becomes a reality.
Hanna Zubko joined an expert panel to discuss the transformative role of artificial intelligence in payments. Hanna highlighted how collaboration between banks, fintechs, and enablers will determine how effectively AI can be deployed to create faster, smarter, and more resilient payment ecosystems.
Institutions remain central to the financial system, but the ground beneath them is shifting. Fintechs and digital-native platforms are capturing territory and redefining expectations around speed, transparency, and experience. But banks still hold the cards that matter most: trust, regulatory expertise, and robust infrastructure. The challenge lies in turning those strengths into catalysts for innovation rather than constraints.
Hanna Zubko joined industry peers to debate the evolving role of banks as the payments ecosystem changes. The conversation tackled questions of trust, resilience, and innovation, asking how traditional institutions can reinvent themselves to remain central to the next generation of payments. Hanna focused her time on the importance of embracing and understanding the impact of major technological changes, such as the adoption of stablecoins, agentic AI, and quantum.
At IntellectEU, we’re proud to help our clients embrace these changes with confidence. Our work blends deep technical expertise in Swift enablement, AI, DLT, and next-generation payment infrastructure with a commitment to interoperability and modernization.
A sincere thank you to everyone who shared their insights and perspectives at Sibos. The future of finance is being built together, and we’re proud to be part of that journey.
