SwiftX is a dual-ledger-based SWIFT extension designed for enterprise-grade cross-border payments. It enables individuals and businesses to make instant payouts by using blockchain tokens as guarantees in a pledge model, allowing receiving partners to pay out funds instantly before traditional settlement is completed. SwiftX offers enhanced speed, reliability, and compliance with global financial regulations, making it a scalable solution ready for integration. Its unique approach reduces settlement times compared to conventional SWIFT systems, ensuring seamless and efficient financial transactions.