Key insight : JPMorganChase and Bank of America are among the early adopters of a new Swift cross-border framework. : JPMorganChase and Bank of America are among the early adopters of a new Swift cross-border framework. : Digital assets are emerging as a cross-border option, creating both a new opportunity for banks and a potential threat. Four months after Swift floated its new cross-border payment framework , bank adoption is starting to roll in. "Greater transparency, speed and predictability are key to improving the cross-border payments experience.