Pocket Option blog
Knowledge base
Learning
Pocket Option Digital Assets Integration into Banking System

Pocket Option Digital Assets Integration into Banking System

2 min to read

04 April 2025

2 min to read

Digital Assets Integration into Banking System: New Opportunities for Traders

SWIFT plans to integrate digital assets into traditional banking infrastructure in 2025, which could seriously change the game rules for traders and investors, opening new opportunities for trading and investing.

Revolution in Financial Infrastructure

According to a recent announcement, SWIFT plans to conduct a series of large-scale tests in 2025 aimed at digital assets integration into banking system. This initiative will unite financial institutions from North America, Europe, and Asia to create a unified network capable of working with CBDCs (central bank digital currencies) and other digital assets.

According to Bloomberg, SWIFT has been developing technical tools for the global integration of digital assets since 2023, and in 2024 proposed a universal registry model for working with them. This confirms the organization’s long-term strategy to modernize international financial infrastructure.

Key Testing Directions

Direction	Potential Impact	Source
Payment operations	Acceleration of international transfers	SWIFT
Currency operations	Reduction of transaction costs	Reuters
Securities trading	Increased market liquidity	Bloomberg

Particularly noteworthy is the testing of multi-ledger Delivery-versus-Payment (DvP) and Payment-versus-Payment (PvP) transactions using various CBDCs. According to SWIFT’s Chief Innovation Officer Tom Zschach, the company aims to create a “bridge between digital assets and traditional currencies.”

What opportunities does digital assets integration into banking system open for traders?

Access to new asset classes through familiar trading interfaces
Reduced counterparty risks when conducting transactions
Possibility of instant international settlements
Increased liquidity in digital asset markets

Start trading

Potential Market Impact

Digital assets integration into banking system can significantly change the landscape of financial markets. According to a study by Boston Consulting Group, the volume of transactions using CBDCs could reach $5 trillion by 2030 if major financial institutions successfully integrate them into their operational processes.

According to Goldman Sachs analysts, creating a unified infrastructure for working with digital and traditional assets could reduce banks’ operational costs by 15-20%, potentially leading to improved conditions for end users.

Practical Aspects for Traders

From a practical perspective, digital assets integration into banking system opens the following opportunities:

Diversification of investment portfolios through inclusion of digital assets
Reduced conversion costs between traditional and digital currencies
Increased settlement speed in international trade

The information presented is not investment advice. Investments in digital assets involve high risk. It is recommended to consult with a financial advisor before making investment decisions.

FAQ

When can we expect practical implementation of SWIFT's testing results?

According to SWIFT's official statement, large-scale tests are planned for 2025, with full-scale implementation potentially beginning in 2026-2027 if testing results are successful.

Which digital assets will be supported first?

Priority attention will be given to CBDCs and tokenized securities issued by regulated financial institutions.

How will this affect existing cryptocurrencies?

According to JPMorgan analysts, integration may create additional liquidity for regulated cryptocurrency assets, but may also increase regulatory pressure on unregulated cryptocurrencies.