SWIFT 网路中 32 家银行、分布 17 国（含瑞穗、摩根大通、美银、富国、法巴、兴业）正讨论建立小额跨境即时转帐的新框架，最快可在「今年」上线，未来可能再扩大参与机构。

SWIFT 规模约 11,000 家会员银行、覆盖 200 国。虽然约 75% 的 SWIFT 汇款在 10 分钟内到达收款行，但因各银行作业流程与时差等因素，完整入帐常需 1 天或更久；整体耗时约 80% 发生在 SWIFT 系统之外。

新框架将鼓励收款行在款项到达当天即入帐，意味需要 24/7 作业（靠系统或增员）。即时汇款额度尚未定案，但考虑约 10,000 美元上限；也可能把手续费在汇出前先定价并提前告知，费率本身预期变动不大。

Thirty-two SWIFT-member banks across 17 countries are discussing a new framework to make small cross-border transfers effectively instant, potentially launching as early as this year and expanding to more institutions later.

SWIFT connects over 11,000 banks in more than 200 countries. While about 75% of SWIFT transfers reach the destination bank within 10 minutes, full processing often takes a day or more because procedural and time-zone frictions sit outside SWIFT; roughly 80% of end-to-end time is spent beyond the SWIFT rails.

Participants would be encouraged to credit funds the same day they arrive, requiring 24/7 coverage via new systems or staffing. A cap has not been set, but a limit around $10,000 is being considered, alongside clearer up-front fee disclosure. The push responds to fintech and crypto alternatives, including Wise’s 84.9 billion pounds ($114 billion) processed in the six months through September and growing interest in fiat-linked stablecoins.