People always talk about SWIFT like some fancy technology for international settlement that has all sorts of advanced automated verifications.

I don't think many people realize that SWIFT in practice means that each bank employs ~20 people that run specifically configured Windows in a virtual box that runs an MS-DOS application. The most common flow is that the person prints out all transactions/wires they need to do that day and then manually inputs those to the MS-DOS application (yes, by manually reading and rewriting the printed transaction from another software. This tech is before copypaste was invented). One person does around 60 transactions per day this way. They also make notable % of mistakes and so part of day is spent communicating with other banks on resolving the mistakes. There are differences between countries, e.g. Deutsche Bank makes less mistakes than Spanish banks...

This is SWIFT...

I know this because I was recently debugging issue in this space for a major bank.

all banks will employ tech similar to strike for moving dollars.

bank A needs to send money to bank B:

this type of structure will replace eurodollar transfers for offshore banks that do not really trust each other

I think i agree. Because VISA could adopt Bitcoin as a currency and "move" it around within their network

SWIFT could technically adapt as well, become a custodian/facilitator of Bitcoin on-chain transactions. Iirc even microstrategy is using a custodian for their BTC.

So at the end of the day BTC doesent really replace anything, except perhaps the dollar

Visa will adopt Bitcoin and Lightning before Bitcoin replaces Visa.