---
title: "Aib, Public Limited Company SWIFT/BIC code AIBKIE2DXXX · Ireland | Elucidate"
description: "Significant institution directly supervised by the ECB. SWIFT/BIC code AIBKIE2DXXX for Aib, Public Limited Company, Ireland. 1 branch BIC."
url: https://elucidate.co/directory/aib-public-limited-company-aibkie2d
---
1. [Directory](https://elucidate.co/directory)
2. [Ireland](https://elucidate.co/directory/country/ie)
3. Aib, Public Limited Company
Ireland · Credit institution
# Aib, Public Limited Company
Legal name in the LEI record ALLIED IRISH BANKS PUBLIC LIMITED COMPANY
Allied Irish Banks, p.l.c. is an Irish public limited company registered under number 24173. Its registered office is at 10 Molesworth Street, Dublin 2. It is the banking subsidiary of AIB Group plc, which is its holding company and is listed on Euronext Dublin and the London Stock Exchange. The bank provides retail, business and corporate banking, mainly in Ireland, and is licensed and regulated as a credit institution by the Central Bank of Ireland. The Irish State once held more than 99% of the group and completed its exit from the share register on 17 June 2025.
ECB · Single Supervisory Mechanism
Directly supervised by the ECB
Total assets EUR 100–150 bn
Group: AIB Group plc
BIC **AIBKIE2DXXX** LEI **[3U8WV1YX2VMUHH7Z1Q21](https://search.gleif.org/#/record/3U8WV1YX2VMUHH7Z1Q21)** Licence no. **Not on a tracked register** Connected to Swift [ECB significant institution](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#regulatory) [**1** branch code](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#branches) [Group: Aib Group Public Limited Company](https://elucidate.co/directory/group/635400AKJBGNS5WNQL34) [Claim this profile](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#claim)
## Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#regulatory)): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
## Regulatory status
### ECB banking supervision
List of supervised entities as of 2026-07-01
- **Classification:** Significant institution
- **Supervisor:** European Central Bank (direct supervision)
- **Listed as:** Allied Irish Banks, plc
- **Entity type:** Credit institution
- **Supervised group (ECB):** AIB Group plc
- **Why significant:** Size (Total assets EUR 100-150 bn)
## European registers
### ECB · monetary financial institutions
List as at 2026-09-25
- **Category:** Credit institution
- **Minimum reserves:** Subject to minimum reserves
- **Listed as:** Allied Irish Banks, Public Limited Company
- **RIAD code:** IEAIBPLC
### ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
| --- | --- | --- | --- |
| Investment services (MiFID II) | Central Bank of Ireland (CBI) | 2007-11-01 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** AIBKIE2DXXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · VOP · T2 · TIPS](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#schemes)
- **Branch codes:** [1 branch code](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#branches)
- **Other BIC with this LEI:** [AIBKUS33](https://elucidate.co/directory/aib-bank-aibkus33)
- **BIC first registered:** 1979-02-05
- **Last updated:** 2024-07-05
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#overview-sources)
Photo: DubhEire · [CC0](http://creativecommons.org/publicdomain/zero/1.0/deed.en) · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:AIB_Bank_Centre.JPG) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/f/f4/AIB_Bank_Centre.JPG/960px-AIB_Bank_Centre.JPG?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail)
Total assets
EUR 148.1bn
Group · 30 Jun 2026 · [interim report ↗](https://www.aib.ie/content/dam/frontdoor/investorrelations/docs/resultscentre/annualreport/2026/aib-group-plc-2026-hyfr-presentation.pdf)
Employees
10,144
FTE · Group · 30 Jun 2026 · [interim report ↗](https://www.aib.ie/content/dam/frontdoor/investorrelations/docs/resultscentre/annualreport/2026/aib-group-plc-2026-hyfr-presentation.pdf)
Ownership
Group subsidiary
100% AIB Group plc
Institution type
Universal bank
Trades as AIB
- **Ownership:** AIB Group plc, a listed holding company with no controlling shareholder since the Irish State sold its remaining shares in June 2025, owns the bank.
- **Direct parent:** [AIB Group plc ↗](https://search.gleif.org/#/record/635400AKJBGNS5WNQL34), Ireland 100%
- **Head office:** 10 Molesworth Street, D02 R126 Dublin, Ireland
- **Company register:** 24173, Companies Registration Office (Ireland)
- **Former name:** Allied Irish Banks Limited
### Business lines
- Retail banking
- Mortgage lending
- SME banking
- Corporate banking
- Consumer finance
- Cards
- Transaction banking & payments
- Markets & trading
- Private banking & wealth
- Other
According to its 2026 half-year results, the group's lending is split across retail banking, capital markets, AIB UK and a Climate and Infrastructure Capital unit, with residential mortgages making up 51% of the loan book.
### Online
- **Websites & references:** [aib.ie ↗](https://aib.ie/) [aib.ie/investorrelations ↗](https://www.aib.ie/investorrelations) investor relations (AIB Group) [business.aib.ie ↗](https://business.aib.ie/) business banking site [Wikipedia ↗](https://en.wikipedia.org/wiki/Allied_Irish_Banks) [Wikidata Q1642179 ↗](https://www.wikidata.org/wiki/Q1642179)
- **Official social accounts:** [LinkedIn ↗](https://linkedin.com/company/aib) · [X ↗](https://x.com/AskAIB) · [Facebook ↗](https://facebook.com/aib) · [YouTube ↗](https://www.youtube.com/aib)
Sources · 10 pages consulted
1. [aib.ie/](https://aib.ie/)
2. [aib.ie/investorrelations/about-aib/corporate-governance](https://www.aib.ie/investorrelations/about-aib/corporate-governance)
3. [aib.ie/investorrelations/stock-exchange-announcements/2026](https://www.aib.ie/investorrelations/stock-exchange-announcements/2026)
4. [aib.ie/content/dam/frontdoor/investorrelations/docs/resultscentre/annualreport/2026/aib-group-pl](https://www.aib.ie/content/dam/frontdoor/investorrelations/docs/resultscentre/annualreport/2026/aib-group-plc-2026-hyfr-presentation.pdf)
5. [aib.ie/contact-details](https://aib.ie/contact-details)
6. [investegate.co.uk/announcement/rns/aib-group-cdi---aibg/aib-group-plc-directorate-change/9586477](https://www.investegate.co.uk/announcement/rns/aib-group-cdi---aibg/aib-group-plc-directorate-change/9586477)
7. [rte.ie/news/business/2026/0527/1575453-galvin-aib/](https://www.rte.ie/news/business/2026/0527/1575453-galvin-aib/)
8. [irishtimes.com/business/2026/09/12/aib-prepares-portfolio-of-under-100m-of-mainly-problem-personal-loans](https://www.irishtimes.com/business/2026/09/12/aib-prepares-portfolio-of-under-100m-of-mainly-problem-personal-loans-for-sale/)
9. [aib.ie/help-and-guidance/international-payments-faqs](https://www.aib.ie/help-and-guidance/international-payments-faqs)
10. [en.wikipedia.org/wiki/Allied\_Irish\_Banks](https://en.wikipedia.org/wiki/Allied_Irish_Banks)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#overview-sources)
- **Chief executive:** Colin Hunt Chief Executive Officer & Executive Director Confirmed 29 Sep 2026 · [aib.ie ↗](https://www.aib.ie/investorrelations/about-aib/corporate-governance)
- **Chair:** Jim Pettigrew Non-Executive Director and Chair Confirmed 29 Sep 2026 · [aib.ie ↗](https://www.aib.ie/investorrelations/about-aib/corporate-governance)
- **Executive:** Michael Frawley Chief Risk Officer Confirmed 29 Sep 2026 · [aib.ie ↗](https://www.aib.ie/investorrelations/about-aib/corporate-governance)
- **Executive:** Basil Geoghegan Independent Non-Executive Director and Deputy Chair Confirmed 29 Sep 2026 · [aib.ie ↗](https://www.aib.ie/investorrelations/about-aib/corporate-governance)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#overview-sources)
- **Ireland:** Central Bank of Ireland Central bank Prudential supervisor AML supervisor Conduct Resolution
- **European Union:** European Central Bank Prudential supervisor
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#overview-sources)
1. Aug 2026
Leadership
Group financial controller Kevin Gahan became interim chief financial officer, according to The Irish Times.
[irishtimes.com ↗](https://www.irishtimes.com/business/2026/09/12/aib-prepares-portfolio-of-under-100m-of-mainly-problem-personal-loans-for-sale/)
2. May 2026
Leadership
Donal Galvin stepped down as Chief Financial Officer and Executive Director of AIB Group plc and Allied Irish Banks, p.l.c. on 26 May 2026.
[aib.ie ↗](https://www.aib.ie/content/dam/frontdoor/investorrelations/docs/se-announcements/2026/directorate-change.pdf)
3. May 2026
Leadership
The bank appointed James Emmett, a former Chief Executive Officer of HSBC Bank plc, as an independent non-executive director.
[aib.ie ↗](https://www.aib.ie/content/dam/frontdoor/investorrelations/docs/se-announcements/2026/appointment-of-director.pdf)
4. Apr 2026
Leadership
Brendan McDonagh stepped down as director and Deputy Chair at the April 2026 AGM. Basil Geoghegan was appointed Deputy Chair.
[aib.ie ↗](https://www.aib.ie/content/dam/frontdoor/investorrelations/docs/se-announcements/2026/notification-re-deputy-chair-appt.pdf)
5. Jun 2025
Other
The Department of Finance announced the Irish State's complete exit from the share register of AIB Group plc on 17 June 2025.
[aib.ie ↗](https://www.aib.ie/investorrelations/about-aib/corporate-governance)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** AIBKIE2DXXX
- **How the BIC breaks down:** 1. AIBK Bank 2. IE Country · Ireland 3. 2D Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 3U8WV1YX2VMUHH7Z1Q21
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/3U8WV1YX2VMUHH7Z1Q21)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- **UK overseas entity ID:** [OE024356 ↗](https://find-and-update.company-information.service.gov.uk/company/OE024356)
## Profile
- **Type:** Credit institution
- **Regulation:** Prudentially supervised (ECB list)
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** Ireland · Europe & Central Asia
- **Banking supervision:** [Significant · supervised by the ECB](https://elucidate.co/directory/aib-public-limited-company-aibkie2d#regulatory) as of 2026-07-01
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
- **Founded:** 1966
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
## Ownership and group
GLEIF relationship records
- **Direct parent:** Aib Group Public Limited Company · Ireland[635400AKJBGNS5WNQL34 ↗](https://search.gleif.org/#/record/635400AKJBGNS5WNQL34)
The Aib Group Public Limited Company group has 6 institutions in the directory, in 3 countries: all hold a BIC.
Including [Ebs D.A.C.](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d), [Aib Mortgage Bank](https://elucidate.co/directory/aib-mortgage-bank-aimbie21), [Goodbody Stockbrokers](https://elucidate.co/directory/goodbody-stockbrokers-gdbsie21), [Aib Group (UK) PLC](https://elucidate.co/directory/aib-group-uk-plc-ftbkgb2b).
[See the Aib Group Public Limited Company group →](https://elucidate.co/directory/group/635400AKJBGNS5WNQL34)
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
## Registered beneficial owners
Companies House · overseas entity [OE024356 ↗](https://find-and-update.company-information.service.gov.uk/company/OE024356) · as at 9 October 2026
Companies House lists 1 registrable beneficial owner: 1 company.
| Name | Type | Nature of control | Notified |
| --- | --- | --- | --- |
| Aib Group Public Limited Company | Company · Companies Registration Office | More than 25% of shares | 8 December 2016 |
Overseas entities that own land in the UK must register their beneficial owners with Companies House. The entity reports them itself. Elucidate has not verified them.
A registrable beneficial owner holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown.
Matched on the entity’s legal name and country of incorporation in its LEI record.
[See the beneficial owners at Companies House ↗](https://find-and-update.company-information.service.gov.uk/company/OE024356/persons-with-significant-control)
## Addresses
- **Registered address:** AIB 10 MOLESWORTH STREET,DUBLIN 2, DUBLIN D02 R126. IRELAND
- **Operational address:** AIB 10 MOLESWORTH STREET DUBLIN 2, DUBLIN DUBLIN D02 R126. IRELAND
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
AIBKIE2DXXX
3U8WV1YX2VMUHH7Z1Q21
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
AIBKIE2DXXX
3U8WV1YX2VMUHH7Z1Q21
AIB, PUBLIC LIMITED COMPANY
DUBLIN
IE
AIB 10 MOLESWORTH STREET, DUBLIN 2, DUBLIN D02 R126.
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2008-03-03 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2024-12-02 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2010-07-05 | Head office | — |
| Verification of Payee | 2025-10-05 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
## Network
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [AIBKIE2DTPS](https://elucidate.co/directory/aib-public-limited-company-aibkie2d-tps) | FOR THE PURPOSE OF TIPS USER SETUP | Dublin | AIB 10 MOLESWORTH STREET DUBLIN 2, DUBLIN DUBLIN D02 R126. IRELAND | — | 2024-07-05 |
[See every BIC in Ireland →](https://elucidate.co/directory/country/ie#bics)
## Related institutions
### Same legal entity
- [Aib Bank BIC AIBKUS33 Credit institution Prudential licence United States · On the ECB list of supervised entities · LEI 3U8WV1YX2VMUHH7Z1Q21](https://elucidate.co/directory/aib-bank-aibkus33)
Other BICs mapped to the same LEI.
### Subsidiaries in the directory
- [Ebs D.A.C. BIC EBSIIE2D Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI 549300QS0R6M20VUB380](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d)
- [Aib Mortgage Bank BIC AIMBIE21 Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI 549300CGO72ED3XVUZ04](https://elucidate.co/directory/aib-mortgage-bank-aimbie21)
- [Goodbody Stockbrokers BIC GDBSIE21 Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400IL71G3SXS7OE16](https://elucidate.co/directory/goodbody-stockbrokers-gdbsie21)
Entities that GLEIF records with this LEI as their direct parent.
### Same group
- [Aib Group (UK) PLC BIC FTBKGB2B Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI 54930061N57ORAEPGX16](https://elucidate.co/directory/aib-group-uk-plc-ftbkgb2b)
[All 6 institutions in the Aib Group Public Limited Company group →](https://elucidate.co/directory/group/635400AKJBGNS5WNQL34)
### Largest institutions in Ireland
- [Danske Bank A/S BIC DABAIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI MAES062Z21O4RZ2U7M96](https://elucidate.co/directory/danske-bank-a-s-dabaie2d)
- [Citibank Europe PLC BIC CITIIEA1 Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/citibank-europe-plc-citiiea1)
- [Citibank Europe PLC BIC CITIIE2X Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI N1FBEDJ5J41VKZLO2475](https://elucidate.co/directory/citibank-europe-plc-citiie2x)
- [Bank of America Europe Designated Activity Company BIC BOFAIE3X Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bank-of-america-europe-designated-activity-company-bofaie3x)
- [Citco Fund Services Ireland Limited BIC CFSHIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400PJVWAILALN1E67](https://elucidate.co/directory/citco-fund-services-ireland-limited-cfshie2d)
- [Central Bank of Ireland BIC IRCEIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400OAUSKT6BT5UZ19](https://elucidate.co/directory/central-bank-of-ireland-irceie2d)
- [U.S. Bank Europe Designated Activity Company BIC USBKIE22 Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/u-s-bank-europe-designated-activity-company-usbkie22)
- [Zurich Insurance PLC BIC ZURIIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/zurich-insurance-plc-zuriie2d)
[See every BIC in Ireland →](https://elucidate.co/directory/country/ie#bics)
Claim this profile
## Work at Aib, Public Limited Company?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- **Banking supervision**—Source: European Central Bank, list of supervised entities.
- **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- **Registered beneficial owners**—Companies House, Register of Overseas Entities · [source ↗](https://download.companieshouse.gov.uk/en_pscdata.html) as at 9 October 2026
- **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
## Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.