Bottomline, one of Swift’s top three service providers, has formed a strategic partnership with industry-leading oracle platform, Chainlink, to unlock cross-chain, cross-border payments for more than 600 bank customers.
Swift is the world’s leading provider of secure financial messaging services, connecting more than 11,000 banks globally and transmitting financial messaging value equivalent to the world’s GDP every few days. As a leading Swift service provider, Bottomline manages approximately 15% of all internal cross‑border Swift traffic and processes more than 10 million messages daily. Each year, Bottomline moves more than $16 trillion in payments across its platforms.
Chainlink is providing the secure interoperability and orchestration layer connecting Bottomline’s existing payment infrastructure to public and private blockchains. Having enabled over $33 trillion in onchain transaction value, Chainlink is the only oracle platform to meet ISO 27001 and SOC 2 Type 2 institutional security standards.
Chainlink’s Cross-Chain Interoperability Protocol (CCIP) allows tokenized value to move between networks with the highest level of cross-chain security, while the Chainlink Runtime Environment (CRE) provides a vital orchestration layer that coordinates payment workflows end to end. Ultimately, Chainlink allows Bottomline’s banks to continue using Swift’s ISO 20022 messaging standard to access onchain payment rails via a single network-agnostic connection.
Over the past few years, Swift has made significant advancements in digital asset interoperability by combining its public key infrastructure and messaging standard with smart contracts on different blockchains through Chainlink’s decentralized oracle network.
In 2023, Swift demonstrated how global financial institutions can transact with multiple chains through CCIP. In 2024, Swift joined an industry initiative combining Chainlink oracles and LLMs to standardize corporate actions data onchain.
A 2024 Swift, Chainlink, and UBS Asset Management pilot established a blueprint for settling tokenized fund subscriptions and redemptions with fiat payment systems. This model evolved in 2025, using CRE and Chainlink’s DTA technical standard to manage digital asset workflows within existing regulatory frameworks.
In January 2026, Swift expanded this work by collaborating with BNP Paribas, Intesa Sanpaolo, and Societe Generale – FORGE to establish the seamless exchange and settlement of tokenized bonds with support for payments in both fiat and digital currencies.
Bottomline’s partnership with Chainlink reflects the rapidly accelerating rate at which traditional finance is moving onchain using existing systems. Chainlink’s secure-by-default infrastructure offers a seamless onramp for institutions to connect with onchain finance and tokenized assets, which constitute an $867 trillion market opportunity.