ISO 20022 合规性：加密货币的采用和去中心化的未来

ISO 20022 合规性被广泛认为是数字货币的革命性全球金融消息传递标准。

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 合规性作为数字货币的新全球金融消息传递标准越来越受到关注。随着加密货币不断发展并融入主流金融体系，ISO 20022 在促进加密货币采用方面的作用变得越来越明显。

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.

虽然加密货币最初出现在传统金融的范围之外，其去中心化的点对点模式与中心化银行系统形成鲜明对比，但人们越来越有兴趣将这些资产整合到全球金融基础设施中。

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.

为了方便传统金融机构采用加密货币，金融当局似乎一致认为最好的方法是采用监管标准，从而催生了 ISO 20022。该标准最初是为传统金融制定的，但它有潜力服务于不断发展的金融市场。数字货币市场目前正在探索中。

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 寻求解决的一个关键问题是缺乏数字令牌标识符 (DTI)，这对于区分不同的数字货币至关重要。与美元或欧元等法定货币不同，比特币和比特币现金等加密货币缺乏普遍认可的标识符，这使得银行难以跟踪和处理它们。

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，虽然银行的系统可以轻松识别涉及美元或澳元的交易，但它很难区分涉及比特币和比特币现金的交易。为了解决这个问题，ISO 20022 引入了数字货币标准化语言，使金融机构能够更有效地促进涉及加密货币的跨境支付。这一全球标准有望提高效率、减少错误并确保更好的监管合规性、透明度和欺诈保护。

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.

多种加密货币已经接受了该标准，包括 XRP、Stellar、Quant、Hedera、IOTA、XDC、Cardano 和 Algorand。这些代币现在受益于与传统金融机构更高程度的互操作性。经济学家表示，将这些代币纳入 ISO 20022 合规列表将使它们成为全球金融体系中的合法参与者，能够与银行和其他金融组织无缝沟通。

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.

对于金融机构而言，ISO 20022 合规性不仅仅是技术升级。它实现无缝通信并确保遵守日益严格的全球法规。随着大多数金融当局越来越严厉地打击加密货币行业，满足监管标准并提供详细报告的能力是一个迫切的卖点。符合 ISO 20022 的加密货币在这方面具有优势，因为该协议丰富的数据功能可帮助机构更好地跟踪和报告交易。

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，将 ISO 20022 应用于代币的可行性并不像某些人想象的那么简单。虽然公司可以遵守 ISO 20022 标准，但这并不意味着区块链或代币本身本质上是合规的。这种区别很重要，因为在协议层面，许多加密货币仍然在 ISO 20022 范围之外运行。系统不会自动将数字代币识别为合规，因此公司和项目必须自愿将这些标准集成到其系统中。

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.

本质上，ISO 20022 在消息传递层中发挥作用，而不是改变数字货币的基本区块链结构。虽然符合 ISO 20022 的加密货币可以与传统金融网络更无缝地通信，但其潜在的去中心化性质保持不变。

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.

现实情况是，许多代币仍然缺乏完全支持 ISO 20022 所需的基础设施。对于开发人员来说，遵守该协议是一个复杂的过程。尽管如此，加密货币与传统金融网络的整合带来了不容忽视的好处。

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.

其中最主要的好处是 ISO 20022 为采用它的代币带来的合法性。当加密货币遵守全球公认的标准时，它们不再被视为边缘或流氓实体，而是被视为能够参与全球金融体系的合法资产。这种合法性意识可能会在很大程度上减少人们对加密货币的怀疑，尤其是机构投资者的怀疑。从分散的、不受监管的空间过渡到在公认的金融框架内运作的空间有可能促进信任；广泛采用的一个关键障碍。

“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.

“我们需要采用现有的标准并进行更新，以确保各国公认的数字货币系统之间的互操作性。这将是迈向普遍接受的第一步。信任至关重要：没有信任，世界上所有的技术都无法提供答案。”中央情报局密码中心退休主席爱德华·沙伊特 (Edward Scheidt) 说道。

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 的概念本身引发了有关加密货币本质的基本问题。许多早期的加密货币采用者试图创建一个在传统金融机构之外运行的系统。对权力下放和自治的渴望是比特币和类似项目创建的核心。

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

对于一些加密货币爱好者来说，采用 ISO 200 等全球认可的标准