採用 ISO 20022 加密貨幣進入金融主流

加密貨幣的採用正在進入金融領域，像 Hedera Hashgraph (HBAR) 這樣的加密貨幣引領了 ISO 20022 標準的實施，該標準簡化了全球支付並增強了互通性。隨著金融機構和央行接受這項標準，它有望徹底改變跨國交易，為全球金融生態系統帶來更高的效率和安全性。

Cryptocurrency Embraces the Financial Mainstream with ISO 20022 Adoption

加密貨幣透過 ISO 20022 擁抱金融主流

The financial landscape is undergoing a profound transformation as the global payments system prepares to embrace the revolutionary ISO 20022 standard. This groundbreaking protocol, developed by the International Organization for Standardization (ISO), promises to streamline and standardize financial messaging across borders, paving the way for unprecedented efficiency in international transactions.

隨著全球支付系統準備採用革命性的 ISO 20022 標準，金融格局正經歷深刻的變化。這項由國際標準化組織 (ISO) 開發的突破性協議有望簡化和標準化跨境金融資訊傳遞，為國際交易前所未有的效率鋪平道路。

Over 70 countries, including financial powerhouses such as Switzerland, China, India, and Japan, are poised to implement ISO 20022 into their payment systems, creating a harmonized and interconnected financial ecosystem. This seismic shift is opening doors for cryptocurrencies to gain legitimacy and widespread adoption within the existing financial realm.

包括瑞士、中國、印度和日本等金融強國在內的 70 多個國家準備在其支付系統中實施 ISO 20022，從而創建一個協調且相互關聯的金融生態系統。這一巨大的轉變為加密貨幣在現有金融領域獲得合法性和廣泛採用打開了大門。

ISO 20022: A Catalyst for Cryptocurrency Legitimization

ISO 20022：加密貨幣合法化的催化劑

Cryptocurrency adoption has steadily gained traction in recent years, but widespread acceptance by financial institutions and central banks has remained elusive. However, the adoption of ISO 20022 is changing this dynamic, providing cryptocurrencies with an entry point into the mainstream financial domain.

近年來，加密貨幣的採用逐漸受到關注，但金融機構和央行的廣泛接受度仍然難以捉摸。然而，ISO 20022 的採用正在改變這種動態，為加密貨幣提供了進入主流金融領域的切入點。

ISO 20022 standardizes financial messaging, simplifying data exchange in high-value and global payments. By adhering to this standard, cryptocurrencies enhance their credibility and demonstrate their ability to operate seamlessly within existing financial infrastructures.

ISO 20022 標準化了金融訊息傳遞，簡化了大額全球支付的資料交換。透過遵守此標準，加密貨幣可以增強其可信度並展示其在現有金融基礎設施中無縫運作的能力。

Leading Cryptocurrencies Embrace ISO 20022

領先的加密貨幣接受 ISO 20022

At the forefront of this transformative era, several cryptocurrencies have emerged as leaders in ISO 20022 compliance, positioning themselves as key players in the future of digital finance.

在這個變革時代的最前沿，多種加密貨幣已成為 ISO 20022 合規性的領導者，將自己定位為未來數位金融的關鍵參與者。

Hedera (HBAR): The ISO 20022 Trailblazer

Hedera (HBAR)：ISO 20022 拓荒者

Hedera Hashgraph (HBAR) has established itself as the leading cryptocurrency in implementing the ISO 20022 standard. Hedera's decentralized public network leverages the innovative Hashgraph consensus algorithm to create a highly scalable and secure platform for dApp and service development.

Hedera Hashgraph (HBAR) 已成為實施 ISO 20022 標準的領先加密貨幣。 Hedera 的去中心化公共網路利用創新的 Hashgraph 共識演算法為 dApp 和服務開發創建一個高度可擴展且安全的平台。

HBAR, the platform's native cryptocurrency, serves as a multipurpose asset, powering transactions, securing the network through staking, and facilitating governance decisions. Hedera's early adoption of ISO 20022 has positioned it as a trusted partner for financial institutions seeking to explore the benefits of blockchain technology.

HBAR 是該平台的原生加密貨幣，可作為多用途資產，為交易提供動力，透過質押保護網路並促進治理決策。 Hedera 早前採用 ISO 20022，使其成為尋求探索區塊鏈技術優勢的金融機構值得信賴的合作夥伴。

Stellar (XLM): The Cross-Border Transaction Facilitator

Stellar（XLM）：跨境交易促進者

Stellar (XLM) is another prominent cryptocurrency embraced by the ISO 20022-enabled financial ecosystem. Stellar's core mission is to facilitate fast, low-cost cross-border transactions, aligning with global efforts to promote financial inclusion.

Stellar (XLM) 是另一種受 ISO 20022 支持的金融生態系統歡迎的著名加密貨幣。 Stellar 的核心使命是促進快速、低成本的跨國交易，與全球促進金融包容性的努力保持一致。

The XLM token utilizes the Stellar Consensus Protocol, a highly efficient algorithm that enables rapid transaction confirmations without the energy-intensive mining process. This efficiency makes Stellar an attractive option for cross-border payments, reducing costs and clearing times.

XLM 代幣利用恆星共識協議，這是一種高效的演算法，無需能源密集型挖礦過程即可快速確認交易。這種效率使 Stellar 成為跨境支付的一個有吸引力的選擇，可以降低成本並縮短清算時間。

Cardano (ADA): The ISO 20022 Blockchain Pioneer

Cardano (ADA)：ISO 20022 區塊鏈先驅

Cardano (ADA) has emerged as a leading example of ISO 20022 blockchain technology, operating in full compliance with regulatory frameworks. Cardano aims to provide a secure and scalable platform for developing decentralized applications and smart contracts.

Cardano (ADA) 已成為 ISO 20022 區塊鏈技術的領先範例，其運作完全符合監管框架。卡爾達諾旨在提供一個安全且可擴展的平台，用於開發去中心化應用程式和智慧合約。

The platform places a strong emphasis on scalability, sustainability, and interoperability. Through its revolutionary proof-of-stake consensus protocol, Ouroboros, ADA holders contribute to network decentralization and governance while earning rewards through staking. Cardano's focus on research and academic collaborations ensures its long-term sustainability and adaptability to evolving industry needs.

該平台非常重視可擴展性、可持續性和互通性。透過其革命性的權益證明共識協議 Ouroboros，ADA 持有者為網路去中心化和治理做出貢獻，同時透過質押賺取獎勵。卡爾達諾對研究和學術合作的關注確保了其長期可持續性和對不斷變化的行業需求的適應能力。

ISO 20022: Transforming the Financial Ecosystem

ISO 20022：轉變金融生態系統

The implementation of ISO 20022 has far-reaching implications for various players in the financial ecosystem:

ISO 20022的實施對金融生態系中的各個參與者有深遠的影響：

Financial Institutions: Increased efficiency and transparency in cross-border transactions, streamlining cross-border payments and enhancing risk management capabilities.

金融機構：提高跨境交易的效率和透明度，簡化跨境支付並增強風險管理能力。

Corporations: Access to faster payments, improved analytics, and reduced transaction costs, boosting cross-border trade and investment.

企業：獲得更快的支付、改進的分析並降低交易成本，促進跨國貿易和投資。

Market Infrastructure Providers: Key facilitators in adopting and integrating ISO 20022, driving innovation and standardization throughout the financial sector.

市場基礎設施​​提供者：採用和整合 ISO 20022 的關鍵推動者，推動整個金融領域的創新和標準化。

Technology Companies: Opportunities for developing innovative solutions and services tailored to the ISO 20022 standard, fostering a vibrant ecosystem of financial technology.

科技公司：發展符合 ISO 20022 標準的創新解決方案和服務的機會，培育充滿活力的金融科技生態系統。

Conclusion

結論

The adoption of ISO 20022 is a pivotal moment for the cryptocurrency industry, propelling cryptocurrencies from the fringes into the mainstream financial domain. Cryptocurrencies like Hedera (HBAR), Stellar (XLM), and Cardano (ADA) are leading this transformation by embracing ISO 20022 and demonstrating their ability to coexist and complement traditional financial systems.

ISO 20022 的採用對於加密貨幣產業來說是一個關鍵時刻，推動加密貨幣從邊緣進入主流金融領域。 Hedera (HBAR)、Stellar (XLM) 和 Cardano (ADA) 等加密貨幣透過採用 ISO 20022 並展示其與傳統金融體系共存和補充的能力，正在引領這項轉型。

As the global financial landscape continues to evolve and interconnectivity increases, ISO 20022-compliant cryptocurrencies are poised to play an increasingly vital role in facilitating secure, efficient, and inclusive cross-border transactions, shaping the future of global finance.

隨著全球金融格局的不斷發展和互聯性的增強，符合 ISO 20022 的加密貨幣將在促進安全、高效和包容性跨境交易、塑造全球金融的未來方面發揮越來越重要的作用。