I believe they can as the changing of the guard has already begun and all the more reason for the change to occur not to mention the countries that want to unplug from it. SWIFT is going down as the Central Bank of Arabia is already test piloting xRapid (XRP). Staying with SWIFT is kinda like using the US Postal Service over Email. Time will certainly tell but IMO, its inevitable. Its coming and believe the significance of this is still grossly underestimated. This is going to change the financial world, and the more financial institutions like Western Union and Moneygram, who are multibillion dollar institutions, draw closer and closer to its adoption the sooner its going to happen. Currencies Direct, who is a European FX broker, already announced that its test pilot of xRapid (XRP) was a wild success and are calling xRapid a financial game changer.