采用 ISO 20022 加密货币进入金融主流

加密货币的采用正在进入金融领域，像 Hedera Hashgraph (HBAR) 这样的加密货币引领了 ISO 20022 标准的实施，该标准简化了全球支付并增强了互操作性。随着金融机构和央行接受这一标准，它有望彻底改变跨境交易，为全球金融生态系统带来更高的效率和安全性。

Cryptocurrency Embraces the Financial Mainstream with ISO 20022 Adoption

加密货币通过 ISO 20022 拥抱金融主流

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.

随着全球支付系统准备采用革命性的 ISO 20022 标准，金融格局正在经历深刻的变革。这项由国际标准化组织 (ISO) 开发的突破性协议有望简化和标准化跨境金融信息传递，为国际交易前所未有的效率铺平道路。

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、中国、印度和日本等金融强国在内的 70 多个国家准备在其支付系统中实施 ISO 20022，从而创建一个协调且相互关联的金融生态系统。这一巨大的转变为加密货币在现有金融领域获得合法性和广泛采用打开了大门。

ISO 20022: A Catalyst for Cryptocurrency Legitimization

ISO 20022：加密货币合法化的催化剂

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.

近年来，加密货币的采用逐渐受到关注，但金融机构和央行的广泛接受度仍然难以捉摸。然而，ISO 20022 的采用正在改变这种动态，为加密货币提供了进入主流金融领域的切入点。

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 标准化了金融消息传递，简化了大额全球支付中的数据交换。通过遵守这一标准，加密货币可以增强其可信度并展示其在现有金融基础设施中无缝运行的能力。

Leading Cryptocurrencies Embrace ISO 20022

领先的加密货币接受 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.

在这个变革时代的最前沿，多种加密货币已成为 ISO 20022 合规性的领导者，将自己定位为未来数字金融的关键参与者。

Hedera (HBAR): The ISO 20022 Trailblazer

Hedera (HBAR)：ISO 20022 开拓者

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) 已成为实施 ISO 20022 标准的领先加密货币。 Hedera 的去中心化公共网络利用创新的 Hashgraph 共识算法为 dApp 和服务开发创建一个高度可扩展且安全的平台。

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 是该平台的原生加密货币，可作为一种多用途资产，为交易提供动力，通过质押保护网络并促进治理决策。 Hedera 较早采用 ISO 20022，使其成为寻求探索区块链技术优势的金融机构值得信赖的合作伙伴。

Stellar (XLM): The Cross-Border Transaction Facilitator

Stellar（XLM）：跨境交易促进者

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) 是另一种受 ISO 20022 支持的金融生态系统欢迎的著名加密货币。 Stellar 的核心使命是促进快速、低成本的跨境交易，与全球促进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 代币利用恒星共识协议，这是一种高效的算法，无需能源密集型挖矿过程即可快速确认交易。这种效率使 Stellar 成为跨境支付的一个有吸引力的选择，可以降低成本并缩短清算时间。

Cardano (ADA): The ISO 20022 Blockchain Pioneer

Cardano (ADA)：ISO 20022 区块链先驱

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) 已成为 ISO 20022 区块链技术的领先范例，其运行完全符合监管框架。卡尔达诺旨在提供一个安全且可扩展的平台，用于开发去中心化应用程序和智能合约。

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.

该平台非常重视可扩展性、可持续性和互操作性。通过其革命性的权益证明共识协议 Ouroboros，ADA 持有者为网络去中心化和治理做出贡献，同时通过质押赚取奖励。卡尔达诺对研究和学术合作的关注确保了其长期可持续性和对不断变化的行业需求的适应能力。

ISO 20022: Transforming the Financial Ecosystem

ISO 20022：转变金融生态系统

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

ISO 20022的实施对金融生态系统中的各个参与者具有深远的影响：

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

金融机构：提高跨境交易的效率和透明度，简化跨境支付并增强风险管理能力。

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

企业：获得更快的支付、改进的分析并降低交易成本，促进跨境贸易和投资。

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

市场基础设施提供商：采用和整合 ISO 20022 的关键推动者，推动整个金融领域的创新和标准化。

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：开发符合 ISO 20022 标准的创新解决方案和服务的机会，培育充满活力的金融技术生态系统。

Conclusion

结论

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 的采用对于加密货币行业来说是一个关键时刻，推动加密货币从边缘进入主流金融领域。 Hedera (HBAR)、Stellar (XLM) 和 Cardano (ADA) 等加密货币通过采用 ISO 20022 并展示其与传统金融系统共存和补充的能力，正在引领这一转型。

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.

随着全球金融格局的不断发展和互联性的增强，符合 ISO 20022 的加密货币将在促进安全、高效和包容性跨境交易、塑造全球金融的未来方面发挥越来越重要的作用。