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Wu says that Swift has announced its blockchain-based ledger is now initially usable, enabling financial institutions to conduct 24/7 cross-border payments via tokenized deposits. 17 banks from six continents are preparing to pilot real-time transactions, including ANZ, BNP Paribas, BNY Mellon, Citi, DBS, HSBC, Standard Chartered, UBS, Wells Fargo, and others. Swift stated that the shared ledger can provide a secure orchestration layer for bank-issued tokenized deposits and complete final settlement through existing systems, thereby enhancing global liquidity efficiency; it can support innovations such as programmable money and agent commerce in the future.