SWIFT、ISO 20022 和区块链：连接 TradFi 和 DeFi

探索 SWIFT 的 ISO 20022 指令和 Cardano 等区块链技术如何融合，重塑全球金融。发现关键参与者和未来趋势。

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

SWIFT、ISO 20022 和区块链：连接 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!

金融世界正在经历一场巨大的转变，其核心是 SWIFT、ISO 20022 和区块链技术。这些创新正在汇聚起来，创建一个更加统一和高效的全球金融生态系统。让我们深入了解吧！

The ISO 20022 Mandate: A New Era for Global Payments

ISO 20022 指令：全球支付的新时代

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 指令将改变游戏规则。迁移的最后期限已过，要求金融机构接受 ISO 20022 作为核心支付消息传递的标准。这种统一的数据格式增强了跨境电汇、证券结算和机构支付消息传递。旧的基于文本的系统正在被结构化的、元数据丰富的格式所取代，从而实现更快、更透明的通信。

Blockchain's Role: Bridging the Gap

区块链的作用：弥合差距

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.

一些区块链将自己定位为这个新领域的关键参与者。 Cardano (ADA)、XRP、Stellar (XLM)、Hedera (HBAR)、Algorand (ALGO)、Quant (QNT) 和 IOTA 均符合 ISO 20022 标准。这些网络促进跨境支付、机构结算和互操作性，完美补充 ISO 20022 的目标。

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 创始人 Charles Hoskinson 强调了 ISO 20022 对于开放银行的重要性，并表示 ADA 很自豪能够与 XRP、HBAR、ALGO 和其他公司一起支持该标准。这似乎是 TradFi 与 DeFi 结合的必要步骤。

Key Benefits of ISO 20022

ISO 20022 的主要优点

• 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!

此次转换使用基于 XML 的字段和详细元数据取代了旧的 MT 格式。密切关注基础设施公告以及与真实支付轨道和银行的合作伙伴关系！

The Future of Payments

支付的未来

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.

准备从这一转变中受益的代币是那些作为结算层、银行轨道或基础设施桥梁而建立的代币。这些代币超越了投机交易，并提供可编程价值、监管友好型轨道和现代支付。简而言之，就是那些支持跨境支付、现实世界银行用例和数据丰富的交易的人。

Challenges and Opportunities

挑战与机遇

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.

虽然向 ISO 20022 的过渡和区块链技术的集成带来了令人兴奋的机遇，但挑战仍然存在。其中包括法规遵从性、可扩展性和用户教育。然而，优先考虑透明度、安全性和社区参与的项目能够很好地应对这些复杂性。

Final Thoughts

最后的想法

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 和区块链的融合不仅仅是技术升级，更是技术升级。这是全球金融运作方式的根本性转变。随着这些技术的不断发展，我们可以期待一个更加互联、高效和易于访问的金融生态系统。这就像金融界在使用了多年的砖头手机之后终于获得了智能手机升级——是时候了，对吧？