ISO 20022 合規性：加密貨幣的採用與去中心化的未來

ISO 20022 合規性被廣泛認為是數位貨幣的革命性全球金融訊息標準。

ISO 20022 compliance is gaining traction as the new global financial messaging standard for digital currencies. As cryptocurrencies continue to evolve and integrate into the mainstream financial system, the role of ISO 20022 in facilitating this adoption is becoming increasingly evident.

ISO 20022 合規性作為數位貨幣的新全球金融訊息標準越來越受到關注。隨著加密貨幣不斷發展並融入主流金融體系，ISO 20022 在促進加密貨幣採用方面的作用變得越來越明顯。

While cryptocurrencies initially emerged outside the purview of traditional finance, their decentralized, peer-to-peer models serving as a stark contrast to the centralized banking system, there is a growing interest in integrating these assets into global financial infrastructures.

雖然加密貨幣最初出現在傳統金融的範圍之外，其去中心化的點對點模式與中心化銀行體系形成鮮明對比，但人們越來越有興趣將這些資產整合到全球金融基礎設施中。

To ease the adoption of cryptos by traditional financial institutions, financial authorities seem to agree that the best way is to employ a regulatory standard, which led to the ISO 20022. The standard was initially developed for traditional finance, but its potential to serve the evolving digital currency market is now being explored.

為了方便傳統金融機構採用加密貨幣，金融當局似乎一致認為最好的方法是採用監管標準，從而催生了ISO 20022。 。

One key issue that ISO 20022 seeks to address is the lack of Digital Token Identifiers (DTIs), which are crucial for distinguishing between different digital currencies. Unlike fiat currencies such as the U.S. dollar or the euro, cryptocurrencies like Bitcoin and Bitcoin Cash lack universally recognized identifiers, making them difficult for banks to track and process.

ISO 20022 尋求解決的一個關鍵問題是缺乏數位代幣識別碼 (DTI)，這對於區分不同的數位貨幣至關重要。與美元或歐元等法定貨幣不同，比特幣和比特幣現金等加密貨幣缺乏普遍認可的標識符，這使得銀行難以追蹤和處理它們。

For example, while a bank’s system can easily identify transactions involving USD or AUD, it struggles to differentiate between transactions involving Bitcoin and Bitcoin Cash. To remedy this, ISO 20022 introduces a standardized language for digital currencies, enabling financial institutions to facilitate cross-border payments involving cryptocurrencies more efficiently. This global standard promises to improve efficiency, reduce errors, and ensure better regulatory compliance, transparency, and fraud protection.

例如，雖然銀行的系統可以輕鬆識別涉及美元或澳元的交易，但它很難區分涉及比特幣和比特幣現金的交易。為了解決這個問題，ISO 20022 引入了數位貨幣標準化語言，使金融機構能夠更有效地促進涉及加密貨幣的跨境支付。這項全球標準可望提高效率、減少錯誤並確保更好的監管合規性、透明度和詐欺保護。

Several cryptocurrencies have already embraced the standard, including XRP, Stellar, Quant, Hedera, IOTA, XDC, Cardano, and Algorand. These tokens now benefit from a higher degree of interoperability with traditional financial institutions. According to economists, the inclusion of these tokens in the ISO 20022 compliant list positions them as legitimate players in the global financial system, able to communicate seamlessly with banks and other financial organizations.

多種加密貨幣已經接受了該標準，包括 XRP、Stellar、Quant、Hedera、IOTA、XDC、Cardano 和 Algorand。這些代幣現在受益於與傳統金融機構更高程度的互通性。經濟學家表示，將這些代幣納入 ISO 20022 合規清單將使它們成為全球金融體系中的合法參與者，能夠與銀行和其他金融組織無縫溝通。

For financial institutions, ISO 20022 compliance is more than just a technical upgrade. It enables seamless communication and ensures compliance with tightening global regulations. As most financial authorities are increasingly cracking down on the cryptocurrency industry, the ability to meet regulatory standards and provide detailed reporting is an imperative selling point. Cryptocurrencies that are ISO 20022 compliant have an edge in this regard, as the protocol’s rich data capabilities help institutions better track and report transactions.

對金融機構而言，ISO 20022 合規性不僅僅是技術升級。它實現無縫通信並確保遵守日益嚴格的全球法規。隨著大多數金融當局越來越嚴厲地打擊加密貨幣行業，滿足監管標準並提供詳細報告的能力是一個迫切的賣點。符合 ISO 20022 的加密貨幣在這方面具有優勢，因為該協議豐富的數據功能可幫助機構更好地追蹤和報告交易。

However, the feasibility of applying ISO 20022 to tokens is not as straightforward as some may believe. While companies can adhere to the ISO 20022 standard, it doesn’t mean that the blockchain or the token itself is inherently compliant. This distinction is important because, at the protocol level, many cryptocurrencies still operate outside the scope of ISO 20022. The system doesn’t automatically recognize digital tokens as compliant, so companies and projects must voluntarily integrate these standards into their systems.

然而，將 ISO 20022 應用於代幣的可行性並不像某些人想像的那麼簡單。雖然公司可以遵守 ISO 20022 標準，但這並不意味著區塊鏈或代幣本身本質上是合規的。這種區別很重要，因為在協議層面，許多加密貨幣仍然在ISO 20022 範圍之外運作。 。

Essentially, ISO 20022 plays a role in the messaging layer rather than altering digital currencies’ fundamental blockchain structure. While ISO 20022-compliant cryptocurrencies can communicate more seamlessly with traditional financial networks, their underlying decentralized nature remains unchanged.

本質上，ISO 20022 在訊息傳遞層中發揮作​​用，而不是改變數位貨幣的基本區塊鏈結構。雖然符合 ISO 20022 的加密貨幣可以與傳統金融網路更無縫地通信，但其潛在的去中心化性質保持不變。

The reality is that many tokens still lack the infrastructure required to fully support ISO 20022. For developers, complying with the protocol is a complex process. Nonetheless, the integration of cryptocurrencies into traditional financial networks offers benefits that can’t be ignored.

現實情況是，許多代幣仍然缺乏完全支援 ISO 20022 所需的基礎設施。儘管如此，加密貨幣與傳統金融網路的整合帶來了不容忽視的好處。

Chief among the perks is the legitimacy ISO 20022 brings to the tokens that adopt it. When cryptocurrencies adhere to a globally recognized standard, they’re no longer seen as fringe or rogue entities but as legitimate assets capable of participating in the global financial system. This sense of legitimacy could go a long way in reducing the skepticism surrounding cryptocurrencies, especially among institutional investors. The transition from a decentralized, unregulated space to one that operates within recognized financial frameworks has the potential to foster trust; a key barrier to widespread adoption.

其中最主要的好處是 ISO 20022 為採用它的代幣所帶來的合法性。當加密貨幣遵守全球公認的標準時，它們不再被視為邊緣或流氓實體，而是被視為能夠參與全球金融體系的合法資產。這種合法性意識可能會在很大程度上減少人們對加密貨幣的懷疑，尤其是機構投資者的懷疑。從分散的、不受監管的空間過渡到在公認的金融框架內運作的空間有可能促進信任；廣泛採用的一個關鍵障礙。

“We need to take the standards we have today and update them to ensure interoperability across countries’ recognized digital currency systems. This will be the first step towards universal acceptance. Trust is paramount: without that, all the technology in the world is not going to provide the answer,” said retired Chairman of the Central Intelligence Agency Cryptographic Center Edward Scheidt.

「我們需要採用現有的標準並進行更新，以確保各國公認的數位貨幣系統之間的互通性。這將是邁向普遍接受的第一步。信任至關重要：沒有信任，世界上所有的技術都無法提供答案。

Yet, the very concept of ISO 20022 raises fundamental questions about the essence of cryptocurrency. Many early crypto adopters sought to create a system that operated outside of traditional financial institutions. The desire for decentralization and self-governance was central to the creation of Bitcoin and similar projects.

然而，ISO 20022 的概念本身引發了加密貨幣本質的基本問題。許多早期的加密貨幣採用者試圖創建一個在傳統金融機構之外運作的系統。對權力下放和自治的渴望是比特幣和類似專案創建的核心。

To some crypto enthusiasts, the adoption of a globally recognized standard like ISO 200

對於一些加密貨幣愛好者來說，採用 ISO 200 等全球認可的標準