加密货币的 ISO 20022 合规性是什么？ – 它是加密货币采用的“必须具备”吗？
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。全球标准意味着加密货币将在任何地方得到认可，但此举是加密货币采用的必要步骤吗？或者它是否破坏了加密货币的构建原则？
加密货币长期以来一直存在于主流金融体系之外，其去中心化的点对点模式与传统的中心化银行系统形成鲜明对比。
然而，随着这些资产的发展，人们越来越有兴趣将它们整合到全球金融基础设施中。金融当局似乎一致认为，传统金融机构想要轻松采用加密货币的最佳方式是采用监管标准，从而催生了 ISO 20022。
ISO 20022 的基础知识
ISO 20022 是一项金融消息传递标准，旨在为组织提供安全且标准化的金融信息交换方式。它是由国际标准化组织 (ISO) 推出的，旨在取代银行和金融机构用于全球支付的过时的 SWIFT 系统。
虽然该标准最初是为传统金融开发的，但目前正在探索其服务不断发展的数字货币市场的潜力。
ISO 20022 寻求解决的一个关键问题是缺乏数字dent标识符 (DTI)，这对于区分不同数字货币至关重要。与美元或欧元等法定货币不同，Bitcoin和BitcoinCash等dent货币缺乏普遍认可的标识符，这使得银行难以trac和处理它们。
例如，虽然银行的系统可以轻松dent涉及美元或澳元的交易，但它很难区分涉及Bitcoin和BitcoinCash的交易。
ISO 20022 通过引入数字货币标准化语言提出了解决方案。这将使金融机构更容易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并减少错误，同时确保更好的监管合规性、透明度和欺诈保护。
采用 ISO 20022 的加密货币
据Cryptopolitan 报道，采用该标准的加密货币包括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。
对于金融机构而言，ISO 20022 合规性不仅仅意味着技术升级。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trac和报告交易。
将 ISO 20022 应用于代币的可行性
加密货币采用 ISO 20022 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matic识别数字代币是否合规，因此公司和项目必须自愿将这些标准集成到其系统中。
ISO 20022 的作用主要在于消息传递层，而不是改变数字货币的基本区块链结构。这意味着，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。
ISO 20022 是金融机构之间tron数据交换的国际标准， XRP是符合这些标准的数字资产。 ISO 20022 是一种消息传递标准，可实现银行系统中的互操作性和数据交换* #ISO20022 #XRP pic.twitter.com/kZ3JoJXvio
— NICEToken (@NICEToken12345) 2024 年 12 月 17 日
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.
The importance of ISO 20022 for crypto adoption
ISO 20022 compliance could play a crucial role in advancing crypto adoption, but it’s not a panacea. The integration of cryptocurrencies into traditional financial networks offers benefits that can’t be ignored.
So if you don’t know about #ISO20022 recommend DYOR time is ticking and eventually very soon the average person will not be able to afford them I’m just a messenger carry on about the drones but don’t say I ain’t warn you $XRP $XLM $XDC $ALGO $IOTA $HBAR pic.twitter.com/cTQQB4lg5X
— Trump’sBlackNephew🐸 (@45sBullishAnon) December 16, 2024
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.
“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.
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.
To some crypto enthusiasts, the adoption of a globally recognized standard like ISO 20022 may seem like a step backward. It may undermine the decentralized ethos that cryptocurrencies were designed to uphold.
Will ISO 20022 affect the price of compliant coins?
Another important question surrounding ISO 20022 compliance is whether it will have a measurable impact on the price of compliant cryptocurrencies. The answer is far from straightforward, but the evidence suggests that it could influence the value of these coins, particularly in terms of mainstream acceptance.
As cryptocurrencies become more integrated into the global financial system, the perceived stability and security of compliant tokens may make them more attractive to institutional investors.
ISO 20022 compliance is expected to reduce the risks associated with digital assets, making them more appealing to larger financial players. This could, in turn, drive up demand for compliant tokens, potentially boosting their value.
However, it’s worth noting that the broader cryptocurrency market operates on sentiment, and various factors contribute to price fluctuations.
While compliance with ISO 20022 may enhance the credibility of certain cryptocurrencies, it’s unlikely to be a “big” factor in driving their price movements. The current ISO 20022 compliant coins’ prices were not significantly affected when they were first listed, so it could be reaching for the stars to think it will affect their values in the long term.
ISO 20022: Crypto’s adoption and the future of decentralization
ISO 20022 compliance offers a promising pathway for cryptocurrencies seeking integration into the global financial system. The standard’s potential to bring legitimacy, regulatory compliance, and enhanced transparency to the crypto market cannot be denied. However, the adoption of this protocol raises important questions about the future of decentralized finance.
For now, it remains clear that ISO 20022 compliance isn’t an all-or-nothing proposition. While it offers tangible benefits to the cryptocurrencies that adopt it, it also serves as a reminder of the ongoing struggle between crypto’s founding principles and its integration into the global financial system.
The journey toward broader adoption will require both financial regulators and crypto developers to carefully consider the benefits and the philosophical forces at play.
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