Oracle Integration with Swift's Ledger Helps Banks Connect Tokenized Deposit Infrastructures Across Institutions

Rhea-AI Summary

Oracle (ORCL) is integrating its banking software with Swift's blockchain ledger to connect banks' tokenized deposit systems across institutions.

Swift's ledger coordinates cross-bank payment flows while participating institutions manage tokenized deposits on their own ledgers. Oracle Blockchain Platform and Oracle Digital Assets Data Nexus provide a pre-integrated foundation that can host Swift commitment contracts and support the events needed for integration. Oracle Banking Payments connects digital asset flows with existing ISO 20022 payment processing. Oracle says the integration can help banks manage traditional and tokenized payments through one operating model.

Positive

• Swift ledger integration is intended to connect banks' own tokenized deposit systems across institutions.
• Oracle Blockchain Platform and Digital Assets Data Nexus provide a pre-integrated foundation for participation.
• Oracle Banking Payments connects digital asset flows with existing ISO 20022 payment processing.
• Unified payment model could let banks manage traditional and tokenized payment flows together.

Negative

• None.

Argus Sep 28 session 6 alerts

-3.28% close to close 1.1x rel. volume Open Argus

Details

News Market Reaction – ORCL

$401.01B Mkt Cap at Peak Alert

On Sep 28, the day this news came out, ORCL closed 3.28% below the previous close. Our momentum scanner recorded 6 alerts for this stock that day.

Data tracked by StockTitan Argus for the Sep 28 session.

Historical Context

1 past event · Latest: Sep 23

1 event

1. Sep 23

   Product expansion

   24h Move

   -3.5%

   Expanded Digital Assets Data Nexus with planned Swift Ledger coordination and ISO 20022 integration

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

iso 20022, custodial wallet, smart contract

3 terms

iso 20022 technical

"ISO 20022 payment processing"

A global messaging standard for financial transactions that creates a common “language” banks and payment systems use to send payments, securities, and other money-related messages. It matters to investors because it improves speed, transparency and accuracy of transfers—like switching from many dialects to a single language—affecting settlement times, operational costs and the reliability of moving cash and data across markets.

custodial wallet technical

"custodial wallet capabilities"

A custodial wallet is a digital account where a third party holds and manages cryptocurrency or digital assets on your behalf, similar to how a bank holds cash for a customer. It matters to investors because entrusting a provider with control of your assets affects security, access and regulatory protections — you trade direct control for convenience, meaning your ability to move or recover funds depends on that custodian.

smart contract technical

"smart contract capabilities"

A smart contract is a computer program stored on a blockchain that automatically carries out the terms of an agreement when preset conditions are met — like a vending machine that releases a snack when you insert the right coins. For investors, smart contracts matter because they can cut out intermediaries, speed up and lower the cost of transactions, and make outcomes more transparent, but they also introduce technology and regulatory risks that can affect asset value.

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Enables financial institutions to connect existing payment systems to broader global cross-bank digital payments ecosystem using institution-controlled tokenized deposit infrastructure

MIAMI, Sept. 28, 2026 /PRNewswire/ -- Sibos -- Oracle is integrating with Swift's blockchain ledger to help financial institutions participate in payment flows orchestrated through it and help financial institutions use their own tokenized deposit infrastructures across institutions. Through the integration, financial institutions can extend existing payment services with interoperable tokenized deposits and manage traditional and digital asset payment flows through a unified operating model, helping deliver more seamless, always-on payment experiences to clients.

"Financial institutions need a practical, trusted way to connect emerging digital assets, including tokenized deposits, with established payment infrastructure while maintaining control, security, and operational resilience," said Jamie Bullard, vice president, application software engineering, payments and financial crime management, Oracle Financial Services. "Our integration with Swift's ledger helps institutions bring tokenized deposits into cross-bank payment flows and manage traditional and tokenized payments through a unified operating model. This can help banks innovate faster and meet customers' rising expectations for transparent, always-on payment services while supporting governance and compliance efforts."

Extend existing payment infrastructure 
As financial institutions accelerate their digital asset strategies, they face two key challenges: enabling tokenized deposits to work seamlessly across institutions and connecting them with existing payment infrastructure. Swift's ledger provides the cross-bank coordination layer for this ecosystem, enabling participating institutions to incorporate tokenized deposits managed on their own bank-centric ledgers into interbank payment flows. This can help banks meet growing demand for real-time cross-border payments and digital asset services, increase transparency, and deliver programmable payments, while supporting governance, security, and regulatory oversight requirements applicable to global financial services.

Oracle simplifies participation in Swift's ledger through Oracle Blockchain Platform and Oracle Digital Assets Data Nexus, providing a pre-integrated foundation that can accelerate implementation for tokenized deposit infrastructure. The solution can host Swift commitment contracts and support the event orchestration required for integrating Swift's ledger, while providing the EVM-based enterprise blockchain, custodial wallet capabilities, signing, integration, and smart contract capabilities to securely operate tokenized deposit services and Swift commitment contracts at scale.

Oracle Banking Payments connects these digital asset flows with existing ISO 20022 payment processing, enabling payment and tokenized deposit activity to operate within a unified payment lifecycle. Oracle's solution also coordinates payment and blockchain events across the Swift ledger lifecycle using durable workflows and transaction coordination, helping institutions maintain consistent processing and operational resilience.

Together, these capabilities can help financial institutions extend existing payment infrastructure with interoperable tokenized deposit capabilities, coordinated by Swift's ledger, while reducing integration and operational complexity, increasing payment transparency, and extending the reach of digital payment services.

Oracle has long collaborated with Swift to help financial institutions modernize payment infrastructure. This integration builds on this collaboration, including Oracle's achievement of Swift Compatible Application certification for payments announced earlier in 2026.

For more information about Oracle Financial Services payments solutions visit: https://www.oracle.com/financial-services/banking/banking-payments/.

To see our financial services solutions in action and to learn more, visit Oracle at exhibition stand H057 at Sibos in Miami, Florida, Sept. 28-Oct. 1, 2026.

About Oracle Financial Services
Oracle Financial Services provides financial institutions with a comprehensive suite of applications and cloud infrastructure to help modernize operations, improve customer experiences, manage risk, and accelerate innovation. Banks, insurers, and financial market institutions around the world rely on Oracle to support mission-critical operations and develop new services for an increasingly digital economy.

About Oracle
Oracle offers integrated suites of applications plus secure, autonomous infrastructure in Oracle Cloud. For more information about Oracle (NYSE: ORCL), visit www.oracle.com.

Trademarks
Oracle, Java, MySQL, and NetSuite are registered trademarks of Oracle Corporation. NetSuite was the first cloud company—ushering in the new era of cloud computing.

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SOURCE Oracle

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How will Oracle's Swift ledger integration connect tokenized deposits across banks?

Swift's ledger coordinates cross-bank payment flows while participating institutions manage tokenized deposits on their own ledgers. Oracle's integration is intended to connect those bank-controlled systems with existing payment services.

How will Oracle coordinate payment and blockchain events in the Swift ledger integration?

Oracle's solution uses durable workflows and transaction coordination to coordinate payment and blockchain events across the Swift ledger lifecycle. It can also host Swift commitment contracts and support the event orchestration needed for the integration.