ISO 20022 标准助力加密货币融入全球金融

加密货币的采用在金融领域越来越受到关注，中央银行和机构认识到其潜力。全球支付标准 ISO 20022 已成为推动力，增强了符合其消息传递协议的加密货币的合法性。 Hedera Hashgraph (HBAR) 已率先实施 ISO 20022，为加密货币与传统金融系统的无缝集成铺平了道路。

ISO 20022 Standard Drives Cryptocurrency Integration into the Financial Ecosystem

ISO 20022 标准推动加密货币融入金融生态系统

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.

随着 ISO 20022 即将采用，金融格局即将发生深刻变革，ISO 20022 是一项全球公认的标准，有望彻底改变跨境支付。该协议是在国际标准化组织 (ISO) 的支持下开发的，构成了一个用于跨境交换金融数据和消息的安全且标准化的框架。为了证明其全球重要性，包括瑞士、中国、印度和日本等经济强国在内的 70 多个国家已开始将 ISO 20022 纳入各自的支付系统。这种集体努力为跨境交易处理前所未有的协调和效率奠定了基础。

Cryptocurrency's Role in the ISO 20022 Era

加密货币在 ISO 20022 时代的作用

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.

加密货币的采用在金融领域稳步获得关注，获得监管机构、金融机构和中央银行的认可和接受。这种日益增长的合法性的一个关键催化剂是采用 ISO 20022 金融消息传递标准。该标准简化了高价值和全球支付中的通信和数据交换，促进了互操作性和运营效率。

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).

在金融服务行业不断向 ISO 20022 过渡的过程中，某些加密货币将自己定位为这个变革时代的开拓者。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 实施的先驱

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) 已成为实施 ISO 20022 标准的领跑者，这证明了其加密货币合规性。 Hedera是一个去中心化的公共网络，利用Hashgraph共识算法为各个行业赋能。它为开发人员提供了一个可扩展、安全且公平的平台，以概念化和构建去中心化应用程序 (dApp) 和服务。

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 是该平台的原生加密货币，具有多种功能。它促进交易，通过质押支撑网络安全，并授权持有者参与治理决策。

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

Stellar（XLM）：跨境交易的驱动力

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 的加密货币领域的另一个重要参与者。其核心使命是促进低成本、快捷的跨境交易，同时在全球范围内促进金融包容性。 XLM 代币利用恒星共识协议，这是一种创新算法，可以快速确认交易，而无需与其他加密货币相关的能源密集型挖掘过程。

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网络的原生货币，通过实现高效的跨境交易和支持资产的代币化，在系统中发挥着关键作用。

Cardano (ADA): A Paradigm of Regulatory Compliance

卡尔达诺（ADA）：监管合规的典范

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) 已成为遵守监管框架的 ISO 20022 区块链技术的典范。其总体目标是建立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。该平台非常重视可扩展性、可持续性和互操作性。

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.

通过采用突破性的 Ouroboros 权益证明共识协议，ADA 持有者可以为网络的去中心化和治理做出贡献，同时通过质押赚取奖励。卡尔达诺致力于细致的研究和学术合作，确保创建一个强大且持久的、可以超越行业界限的区块链解决方案。

Impact on the Financial Landscape

对金融格局的影响

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 的实施有望改变金融生态系统内的各种利益相关者，包括金融机构、企业、市场基础设施提供商和技术公司。该标准的综合范围涵盖 200 多种支付类型。它致力于建立统一的格式和数据组件，弥合过去阻碍互操作性的通信差距。

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.

金融机构将从跨境交易效率和透明度的提高中受益。企业将获得快速付款和改进的分析能力。市场基础设施和技术提供商将成为 ISO 20022 采用和整合的关键推动者，推动整个行业的创新和标准化。

Conclusion

结论

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 的采用标志着金融业的一个分水岭，为无缝、高效的跨境交易铺平了道路。加密货币，特别是那些符合标准的加密货币，将在这一转型中发挥关键作用。 Hedera (HBAR)、Stellar (XLM) 和 Cardano (ADA) 已成为该领域的领跑者，展示了他们对监管合规性和开发强大且可扩展的区块链解决方案的承诺。随着金融生态系统继续采用 ISO 20022，这些加密货币处于有利位置，可以推动创新并重新定义跨境支付的未来。