The global financial infrastructure is constantly evolving, driven by digitalization, regulatory requirements, and the need for greater operational efficiency. In this context, SWIFT has announced the end of support for IPLA and SIL as of June 30, 2026, marking a key milestone in the modernization of financial messaging.

This change is not only a response to technological obsolescence but also an opportunity to transition to more advanced, secure, and efficient solutions.

Migrating to new platforms is not just an operational necessity; it is also a strategic opportunity to optimize processes and prepare for the future of financial interoperability.

IPLA and SIL: the end of an era in financial messaging

What is IPLA?

IPLA (Alliance Access Integration Platform) has been a crucial component of financial integration infrastructure, acting as middleware that connects internal systems with the SWIFT network. Its ability to transform and route messages in multiple formats has allowed financial institutions to operate efficiently within the SWIFT ecosystem.

Main role: Converting and routing financial messages between proprietary formats and SWIFT standards (MT, MX, ISO 15022, ISO 20022).

What is SIL?

SIL (SWIFT Integration Layer) provides similar functionalities, acting as an independent integration layer that connects financial institutions with SWIFT without requiring changes to existing applications. Its flexibility and adaptability have been essential for many organizations.

Main role: Enabling seamless integration while ensuring compliance with financial messaging standards.

Why is SWIFT ending support for IPLA and SIL?

The discontinuation of IPLA and SIL support is driven by several strategic and technological factors:

1. Reduced complexity and operational costs – Legacy systems require expensive infrastructure and ongoing maintenance.
2. Enhanced security and regulatory compliance – New platforms incorporate advanced security controls and facilitate compliance with global regulations.
3. Adoption of ISO 20022 – This advanced messaging standard improves data quality in transactions and enables greater automation, which IPLA and SIL cannot fully support.
4. Migration to cloud-based solutions – The financial sector is shifting toward API-driven architectures that are more agile, scalable, and cost-effective.
5. Interoperability and flexibility – Modern solutions provide real-time data exchange, optimizing connectivity with contemporary financial systems.

With digital transformation as a priority, transitioning to advanced platforms is essential to ensure competitiveness and regulatory compliance.

Impact on financial institutions

The end of IPLA and SIL support presents both challenges and opportunities for financial institutions:

1. Mandatory migration – Institutions must plan and execute a transition strategy to avoid operational disruptions.
2. Investment in new technologies – Evaluating the best available solutions is crucial to ensure business continuity.
3. Adaptation of internal processes – Seamless integration with new systems is key to minimizing operational impact.
4. Risk reduction and long-term optimization – While the transition requires an initial effort, institutions that adopt new solutions will benefit from improved efficiency, security, and cost reduction.

How to ensure a successful migration

A smooth transition requires a trusted technology partner with deep expertise in SWIFT integration, digital transformation, and cybersecurity. A structured approach includes:

1. Analysis and planning – Identifying business needs and defining the optimal migration strategy.
2. Development and implementation – Adopting modern solutions that enhance interoperability and streamline processes.
3. Validation and deployment – Conducting thorough testing to ensure a seamless rollout.
4. Post go-live support – Ensuring operational stability and continuous improvement with an expert team.

The financial sector demands agile, scalable, and secure solutions. Embracing an API-driven, cloud-based approach not only facilitates migration from IPLA/SIL but also accelerates innovation and sustainable growth.

NEVERHACK: Your Cyber Performance Partner – Secure migration with a trusted partner

The end of IPLA and SIL support is an opportunity to modernize financial infrastructure and optimize costs, but it requires expertise and a strategic approach. With over 20 years of experience, NEVERHACK provides comprehensive solutions to ensure a secure, efficient, and disruption-free migration.

1. 360° Migration Support – From analysis to post go-live services.
2. Proven expertise in SWIFT integration and digital transformation.
3. Minimized risks and optimized transition timelines.

Financial infrastructure transformation is a challenge, but also an opportunity for optimization and growth.

Want to learn more about how we can support your migration? Contact us today!