金融業採用 ISO 20022 作為通用語言

Is the Financial World Embracing a Universal Language?

金融世界正在擁抱通用語言嗎？

The financial landscape is poised for a seismic shift towards a shared ledger and a universal messaging protocol. According to industry titan SWIFT, this transformation hinges on solutions that adhere to the ISO 20022 standard.

金融格局即將發生向共享帳本和通用訊息協議的巨大轉變。據業界巨頭 SWIFT 稱，這種轉變取決於遵守 ISO 20022 標準的解決方案。

Crypto's Compliance Crusade

加密貨幣的合規遠徵

In the realm of cryptocurrencies, ISO 20022 compliance has emerged as a rallying cry for several blockchain networks. XRP, Stellar, IOTA, Hedera, Algorand, and Cardano are all vying to play pivotal roles in this new financial order.

在加密貨幣領域，ISO 20022 合規性已成為多個區塊鏈網路的戰鬥口號。 XRP、Stellar、IOTA、Hedera、Algorand 和 Cardano 都在爭奪在這一新金融秩序中發揮關鍵作用。

The Perils of Fragmentation

碎片化的危險

The fragmented nature of the financial world, with its myriad incompatible systems and networks, has long been a thorn in the side of interoperability. However, the tide is turning as the industry coalesces around common standards. SWIFT's insights suggest that ISO 20022-compliant networks could spearhead this revolution.

金融世界的分散性及其無數不相容的系統和網絡，長期以來一直是互通性的眼中釘。然而，隨著行業圍繞通用標準聯合起來，潮流正在轉變。 SWIFT 的見解表明，符合 ISO 20022 的網路可以引領這場革命。

The Dream of a Shared Ledger

共享帳本的夢想

In a recent blog post, SWIFT expounded on the imperative for rich data in a shared ledger paradigm. They envision a universal ledger that seamlessly integrates the vast array of existing networks, offering real-time visibility and accessibility to all participants.

在最近的一篇部落格文章中，SWIFT 闡述了共享帳本範式中豐富資料的必要性。他們設想了一個通用帳本，可以無縫整合大量現有網絡，為所有參與者提供即時可見性和可訪問性。

ISO 20022: The Messaging Backbone

ISO 20022：訊息傳遞骨幹

SWIFT emphasizes that this shared ledger concept hinges on a messaging layer underpinned by the ISO 20022 standard. This messaging layer would convey a wealth of structured data, enabling the efficient completion of regulated financial transactions.

SWIFT 強調，這種共享帳本概念取決於以 ISO 20022 標準為基礎的訊息傳遞層。此訊息傳遞層將傳送大量結構化數據，從而能夠有效完成受監管的金融交易。

Benefits Galore

好處多多

A shared ledger promises a reduction in transaction risks and costs, along with the convenience of instant settlement and atomic transactions. It also opens the door for participating institutions to develop additional services, expanding financial inclusion and empowering marginalized users.

共享帳本可望降低交易風險和成本，並帶來即時結算和原子交易的便利。它也為參與機構開發額外服務、擴大金融包容性並賦予邊緣化用戶權力打開了大門。

The Role of ISO 20022-Compliant Blockchains

符合 ISO 20022 的區塊鏈的作用

While the allure of a universal ledger is undeniable, it requires a robust messaging layer capable of relaying rich and structured data. Blockchain technology, with its immutable record-keeping capabilities, is ideally suited for this role.

雖然通用帳本的吸引力是不可否認的，但它需要一個強大的訊息傳遞層來中繼豐富的結構化資料。區塊鏈技術具有不可變的記錄保存功能，非常適合此角色。

SWIFT's Endorsement

SWIFT 認可

SWIFT acknowledges the pivotal importance of ISO 20022, stating that the industry has made significant strides in transforming payments through the adoption of rich, structured data. They underscore the value of an ISO 20022-based messaging layer in enhancing the shared ledger proposition.

SWIFT 承認 ISO 20022 的至關重要性，並指出該行業透過採用豐富的結構化資料在支付轉型方面取得了重大進展。他們強調了基於 ISO 20022 的訊息傳遞層在增強共享帳本主張方面的價值。

Crypto's ISO 20022 Pioneers

Crypto 的 ISO 20022 先驅

As Crypto News Flash has reported, blockchain networks such as Hedera, Stellar, XRPL, Cardano, IOTA, Verge, Algorand, and Quant have embraced ISO 20022 compliance. These networks are poised to play a pivotal role in the burgeoning tokenization market and the multi-trillion-dollar digital payments sector.

正如 Crypto News Flash 所報導的那樣，Hedera、Stellar、XRPL、Cardano、IOTA、Verge、Algorand 和 Quant 等區塊鏈網路已接受 ISO 20022 合規性。這些網路預計將在蓬勃發展的代幣化市場和價值數兆美元的數位支付領域發揮關鍵作用。