金融行业采用 ISO 20022 作为通用语言

Is the Financial World Embracing a Universal Language?

金融世界正在拥抱一种通用语言吗？

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.

金融格局即将发生向共享账本和通用消息协议的巨大转变。据行业巨头 SWIFT 称，这种转变取决于遵守 ISO 20022 标准的解决方案。

Crypto's Compliance Crusade

加密货币的合规远征

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.

在加密货币领域，ISO 20022 合规性已成为多个区块链网络的战斗口号。 XRP、Stellar、IOTA、Hedera、Algorand 和 Cardano 都在争夺在这一新金融秩序中发挥关键作用。

The Perils of Fragmentation

碎片化的危险

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无数不兼容的系统和网络，长期以来一直是互操作性的眼中钉。然而，随着行业围绕通用标准联合起来，潮流正在发生转变。 SWIFT 的见解表明，符合 ISO 20022 的网络可以引领这场革命。

The Dream of a Shared Ledger

共享账本的梦想

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.

在最近的一篇博客文章中，SWIFT 阐述了共享账本范式中丰富数据的必要性。他们设想了一个通用账本，可以无缝集成大量现有网络，为所有参与者提供实时可见性和可访问性。

ISO 20022: The Messaging Backbone

ISO 20022：消息传递骨干

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 强调，这种共享账本概念取决于以 ISO 20022 标准为基础的消息传递层。该消息传递层将传送大量结构化数据，从而能够有效完成受监管的金融交易。

Benefits Galore

好处多多

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.

共享账本有望降低交易风险和成本，并带来即时结算和原子交易的便利。它还为参与机构开发额外服务、扩大金融包容性并赋予边缘化用户权力打开了大门。

The Role of ISO 20022-Compliant Blockchains

符合 ISO 20022 的区块链的作用

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.

虽然通用账本的吸引力是不可否认的，但它需要一个强大的消息传递层来中继丰富的结构化数据。区块链技术具有不可变的记录保存功能，非常适合这一角色。

SWIFT's Endorsement

SWIFT 认可

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 承认 ISO 20022 的至关重要性，并指出该行业通过采用丰富的结构化数据在支付转型方面取得了重大进展。他们强调了基于 ISO 20022 的消息传递层在增强共享账本主张方面的价值。

Crypto's ISO 20022 Pioneers

Crypto 的 ISO 20022 先驱

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 报道的那样，Hedera、Stellar、XRPL、Cardano、IOTA、Verge、Algorand 和 Quant 等区块链网络已接受 ISO 20022 合规性。这些网络有望在蓬勃发展的代币化市场和价值数万亿美元的数字支付领域发挥关键作用。