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Quote: SWIFT is not an American project. What SWIFT actually is SWIFT is a European, bank-owned cooperative: Founded: 1973 by 239 banks from 15 countries (Europe, North America, and Asia) Legal status: Incorporated in Belgium Headquarters: La Hulpe, Belgium Ownership: Owned and governed by its member banks worldwide, not by any government Why people sometimes think it’s American Many major U.S. banks are members, and a lot of U.S. dollar transactions pass through SWIFT. Also, SWIFT operates data centers in different regions (including the U.S.) for resilience — but that does not make it a U.S. system. Oversight (important point) SWIFT is primarily overseen by the National Bank of Belgium, with a group of major central banks (from the G10 countries) providing cooperative oversight — not the U.S. government. Clear summary 🇺🇸 Not American-owned 🇧🇪 Belgian-based, European legal entity 🌍 Globally owned by member banks