ISO 20022 標準協助加密貨幣融入全球金融

加密貨幣的採用在金融領域越來越受到關注，中央銀行和機構意識到其潛力。全球支付標準 ISO 20022 已成為推動力，增強了符合其訊息傳遞協議的加密貨幣的合法性。 Hedera Hashgraph (HBAR) 已率先實施 ISO 20022，為加密貨幣與傳統金融系統的無縫整合鋪平了道路。

ISO 20022 Standard Drives Cryptocurrency Integration into the Financial Ecosystem

ISO 20022 標準推動加​​密貨幣融入金融生態系統

Preamble

前言

The financial landscape is poised for a profound transformation with the impending adoption of ISO 20022, a globally recognized standard poised to revolutionize cross-border payments. Developed under the aegis of the International Organization for Standardization (ISO), this protocol constitutes a secure and standardized framework for exchanging financial data and messages across international borders. As a testament to its global significance, over 70 nations, encompassing economic powerhouses such as Switzerland, China, India, and Japan, have embarked on the journey of integrating ISO 20022 into their respective payment systems. This collective effort sets the stage for unprecedented harmonization and efficiency in cross-border transaction processing.

隨著 ISO 20022 即將採用，金融格局即將發生深刻變革，ISO 20022 是全球公認的標準，有望徹底改變跨國支付。該協議是在國際標準化組織 (ISO) 的支持下開發的，構成了一個用於跨境交換金融數據和訊息的安全且標準化的框架。為了證明其全球重要性，包括瑞士、中國、印度和日本等經濟強國在內的 70 多個國家已開始將 ISO 20022 納入各自的支付系統。這種集體努力為跨國交易處理前所未有的協調和效率奠定了基礎。

Cryptocurrency's Role in the ISO 20022 Era

加密貨幣在 ISO 20022 時代的作用

The adoption of cryptocurrencies is steadily gaining traction within the financial sphere, garnering recognition and acceptance from regulatory authorities, financial institutions, and central banks. A key catalyst for this growing legitimacy is the embrace of the ISO 20022 financial messaging standard. This standard streamlines communication and data exchange in high-value and global payments, fostering interoperability and operational efficiency.

加密貨幣的採用在金融領域穩步獲得關注，並獲得監管機構、金融機構和中央銀行的認可和接受。這種日益增長的合法性的關鍵催化劑是採用 ISO 20022 金融訊息傳遞標準。該標準簡化了高價值和全球支付中的通訊和數據交換，促進了互通性和營運效率。

Amidst the ongoing transition of the financial services sector towards ISO 20022, certain cryptocurrencies are positioning themselves as trailblazers in this transformative era. Notable examples include Hedera (HBAR), Stellar (XLM), and Cardano (ADA).

在金融服務業不斷向 ISO 20022 過渡的過程中，某些加密貨幣將自己定位為這個變革時代的拓荒者。著名的例子包括 Hedera (HBAR)、Stellar (XLM) 和 Cardano (ADA)。

Hedera (HBAR): A Pioneer in ISO 20022 Implementation

Hedera (HBAR)：ISO 20022 實施的先驅

Hedera Hashgraph (HBAR) has emerged as the frontrunner in implementing the ISO 20022 standard, a testament to its cryptocurrency compliance. Hedera is a decentralized public network that harnesses the Hashgraph consensus algorithm to empower various industries. It provides a scalable, secure, and equitable platform for developers to conceptualize and construct decentralized applications (dApps) and services.

Hedera Hashgraph (HBAR) 已成為實施 ISO 20022 標準的領跑者，證明了其加密貨幣合規性。 Hedera是一個去中心化的公共網絡，利用Hashgraph共識演算法為各行業賦能。它為開發人員提供了一個可擴展、安全且公平的平台，以概念化和建立去中心化應用程式 (dApp) 和服務。

HBAR, the platform's native cryptocurrency, serves multiple functions. It facilitates transactions, underpins network security through staking, and empowers holders to participate in governance decisions.

HBAR 是該平台的原生加密貨幣，具有多種功能。它促進交易，透過質押支撐網路安全，並授權持有者參與治理決策。

Stellar (XLM): A Driving Force in Cross-Border Transactions

Stellar（XLM）：跨境交易的動力

Stellar (XLM) is another prominent player in the ISO 20022-compliant cryptocurrency landscape. Its core mission centers around facilitating low-cost and expeditious cross-border transactions while concurrently promoting financial inclusion on a global scale. The XLM token leverages the Stellar Consensus Protocol, an innovative algorithm that enables rapid transaction confirmations without the energy-intensive mining processes associated with other cryptocurrencies.

Stellar (XLM) 是符合 ISO 20022 的加密貨幣領域的另一個重要參與者。其核心使命是促進低成本、快速的跨國交易，同時在全球範圍內促進金融包容性。 XLM 代幣利用恆星共識協議，這是一種創新演算法，可以快速確認交易，而無需與其他加密貨幣相關的能源密集型挖掘過程。

Lumens (XLM), the native currency of the Stellar network, plays a pivotal role in the system by enabling efficient cross-border transactions and supporting the tokenization of assets.

Lumens（XLM）是Stellar網路的原生貨幣，透過實現高效的跨境交易和支援資產的代幣化，在系統中發揮關鍵作用。

Cardano (ADA): A Paradigm of Regulatory Compliance

卡爾達諾（ADA）：監管合規的典範

Cardano (ADA) has emerged as an exemplary illustration of ISO 20022 blockchain technology that adheres to regulatory frameworks. Its overarching objective is to establish a secure and scalable platform for developing decentralized applications and smart contracts. The platform places paramount importance on scalability, sustainability, and interoperability.

Cardano (ADA) 已成為遵守監管框架的 ISO 20022 區塊鏈技術的典範。其總體目標是建立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能合約。該平台非常重視可擴展性、可持續性和互通性。

By employing the groundbreaking Ouroboros proof-of-stake consensus protocol, ADA holders can contribute to the network's decentralization and governance, while simultaneously earning rewards through staking. Cardano's commitment to meticulous research and academic partnerships ensures the creation of a robust and enduring blockchain solution that can transcend industry boundaries.

透過採用突破性的 Ouroboros 權益證明共識協議，ADA 持有者可以為網路的去中心化和治理做出貢獻，同時透過質押賺取獎勵。卡爾達諾致力於細緻的研究和學術合作，確保創建一個強大且持久的、可以超越行業界限的區塊鏈解決方案。

Impact on the Financial Landscape

對金融格局的影響

The implementation of ISO 20022 is poised to transform various stakeholders within the financial ecosystem, encompassing financial institutions, corporations, market infrastructure providers, and technology companies. The standard's comprehensive scope encompasses over 200 payment types. It strives to establish uniform formats and data components, bridging communication gaps that have hindered interoperability in the past.

ISO 20022 的實施可望改變金融生態系統內的各種利害關係人，包括金融機構、企業、市場基礎設施​​提供者和科技公司。此標準的綜合範圍涵蓋 200 多種支付類型。它致力於建立統一的格式和資料組件，以彌合過去阻礙互通性的通訊差距。

Financial institutions stand to benefit from enhanced efficiency and transparency in cross-border transactions. Corporations will gain access to expedited payments and improved analytical capabilities. Market infrastructure and technology providers will serve as crucial facilitators in the adoption and integration of ISO 20022, driving innovation and standardization across the entire sector.

金融機構將從跨境交易效率和透明度的提高中受益。企業將獲得快速付款和改進的分析能力。市場基礎設施​​和技術供應商將成為 ISO 20022 採用和整合的關鍵推動者，推動整個產業的創新和標準化。

Conclusion

結論

The adoption of ISO 20022 represents a watershed moment for the financial industry, paving the way for seamless and efficient cross-border transactions. Cryptocurrencies, particularly those compliant with the standard, are poised to play a pivotal role in this transformation. Hedera (HBAR), Stellar (XLM), and Cardano (ADA) have emerged as frontrunners in this space, demonstrating their commitment to regulatory compliance and the development of robust and scalable blockchain solutions. As the financial ecosystem continues to embrace ISO 20022, these cryptocurrencies are well-positioned to drive innovation and redefine the future of cross-border payments.

ISO 20022 的採用標誌著金融業的一個分水嶺，為無縫、高效的跨境交易鋪平了道路。加密貨幣，特別是那些符合標準的加密貨幣，將在這項轉型中發揮關鍵作用。 Hedera (HBAR)、Stellar (XLM) 和 Cardano (ADA) 已成為該領域的領跑者，展示了他們對監管合規性和開發強大且可擴展的區塊鏈解決方案的承諾。隨著金融生態系統繼續採用 ISO 20022，這些加密貨幣處於有利位置，可以推動創新並重新定義跨境支付的未來。