SWIFT、ISO 20022 和區塊鏈：連接 TradFi 和 DeFi

探索 SWIFT 的 ISO 20022 指令和 Cardano 等區塊鏈技術如何融合，重塑全球金融。發現關鍵參與者和未來趨勢。

SWIFT, ISO 20022, and Blockchain: Bridging TradFi and DeFi

SWIFT、ISO 20022 和區塊鏈：連接 TradFi 和 DeFi

The financial world is undergoing a massive shift, and at the heart of it are SWIFT, ISO 20022, and blockchain technology. These innovations are converging to create a more unified and efficient global financial ecosystem. Let's dive in!

金融世界正在經歷一場巨大的轉變，其核心是 SWIFT、ISO 20022 和區塊鏈技術。這些創新正在匯聚起來，創建一個更加統一和高效的全球金融生態系統。讓我們深入了解吧！

The ISO 20022 Mandate: A New Era for Global Payments

ISO 20022 指令：全球支付的新時代

SWIFT's ISO 20022 mandate is a game-changer. The final deadline for migration has passed, requiring financial institutions to embrace ISO 20022 as the standard for core payment messaging. This unified data format enhances cross-border wire transfers, securities settlements, and institutional payment messaging. The older, text-based systems are being replaced with structured, metadata-rich formats, enabling faster and more transparent communication.

SWIFT 的 ISO 20022 指令將改變遊戲規則。遷移的最後期限已過，要求金融機構接受 ISO 20022 作為核心支付消息傳遞的標準。這種統一的數據格式增強了跨境電匯、證券結算和機構支付消息傳遞。舊的基於文本的系統正在被結構化的、元數據豐富的格式所取代，從而實現更快、更透明的通信。

Blockchain's Role: Bridging the Gap

區塊鏈的作用：彌合差距

Several blockchains are positioning themselves as key players in this new landscape. Cardano (ADA), XRP, Stellar (XLM), Hedera (HBAR), Algorand (ALGO), Quant (QNT), and IOTA are all aligning with ISO 20022 standards. These networks facilitate cross-border payments, institutional settlements, and interoperability, perfectly complementing ISO 20022's goals.

一些區塊鏈將自己定位為這個新領域的關鍵參與者。 Cardano (ADA)、XRP、Stellar (XLM)、Hedera (HBAR)、Algorand (ALGO)、Quant (QNT) 和 IOTA 均符合 ISO 20022 標準。這些網絡促進跨境支付、機構結算和互操作性，完美補充 ISO 20022 的目標。

Charles Hoskinson, the founder of Cardano, emphasized the importance of ISO 20022 for open banking, stating that ADA is proud to stand with XRP, HBAR, ALGO, and others in supporting the standard. It seems to be a necessary step in combining TradFi and DeFi.

Cardano 創始人 Charles Hoskinson 強調了 ISO 20022 對於開放銀行的重要性，並表示 ADA 很自豪能夠與 XRP、HBAR、ALGO 和其他公司一起支持該標準。這似乎是 TradFi 與 DeFi 結合的必要步驟。

Key Benefits of ISO 20022

ISO 20022 的主要優點

• Improved global payment system interoperability
• Faster settlement capabilities
• Enhanced data for compliance
• Seamless communication between banks

The transition replaces the older MT format with XML-based fields and detailed metadata. Keep an eye on infrastructure announcements and partnerships with real payment rails and banks!

此次轉換使用基於 XML 的字段和詳細元數據取代了舊的 MT 格式。密切關注基礎設施公告以及與真實支付軌道和銀行的合作夥伴關係！

The Future of Payments

支付的未來

Tokens poised to benefit from this transition are those established as settlement layers, banking rails, or infrastructure bridges. These tokens go beyond speculative trading and offer programmable value, regulatory-friendly rails, and modern payments. In short, those who support cross-border payments, real-world banking use cases, and data-rich transactions.

準備從這一轉變中受益的代幣是那些作為結算層、銀行軌道或基礎設施橋樑而建立的代幣。這些代幣超越了投機交易，並提供可編程價值、監管友好型軌道和現代支付。簡而言之，就是那些支持跨境支付、現實世界銀行用例和數據豐富的交易的人。

Challenges and Opportunities

挑戰與機遇

While the transition to ISO 20022 and the integration of blockchain technology present exciting opportunities, challenges remain. These include regulatory compliance, scalability, and user education. However, projects prioritizing transparency, security, and community engagement are well-positioned to navigate these complexities.

雖然向 ISO 20022 的過渡和區塊鏈技術的集成帶來了令人興奮的機遇，但挑戰仍然存在。其中包括法規遵從性、可擴展性和用戶教育。然而，優先考慮透明度、安全性和社區參與的項目能夠很好地應對這些複雜性。

Final Thoughts

最後的想法

The convergence of SWIFT, ISO 20022, and blockchain is not just a tech upgrade; it's a fundamental shift in how global finance operates. As these technologies continue to evolve, we can expect a more interconnected, efficient, and accessible financial ecosystem. It's like the financial world is finally getting a smartphone upgrade after years of using a brick phone – about time, right?

SWIFT、ISO 20022 和區塊鏈的融合不僅僅是技術升級，更是技術升級。這是全球金融運作方式的根本性轉變。隨著這些技術的不斷發展，我們可以期待一個更加互聯、高效和易於訪問的金融生態系統。這就像金融界在使用了多年的磚頭手機之後終於獲得了智能手機升級——是時候了，對吧？