加密貨幣的 ISO 20022 合規性是什麼？ – 它是加密貨幣採用的“必須具備”嗎？
ISO 20022 合規性被廣泛認爲是數字貨幣的革命性全球金融消息傳遞標準。全球標準意味着加密貨幣將在任何地方得到認可，但此舉是加密貨幣採用的必要步驟嗎？或者它是否破壞了加密貨幣的構建原則？
加密貨幣長期以來一直存在於主流金融體系之外，其去中心化的點對點模式與傳統的中心化銀行系統形成鮮明對比。
然而，隨着這些資產的發展，人們越來越有興趣將它們整合到全球金融基礎設施中。金融當局似乎一致認爲，傳統金融機構想要輕鬆採用加密貨幣的最佳方式是採用監管標準，從而催生了 ISO 20022。
ISO 20022 的基礎知識
ISO 20022 是一項金融消息傳遞標準，旨在爲組織提供安全且標準化的金融信息交換方式。它是由國際標準化組織 (ISO) 推出的，旨在取代銀行和金融機構用於全球支付的過時的 SWIFT 系統。
雖然該標準最初是爲傳統金融開發的，但目前正在探索其服務不斷發展的數字貨幣市場的潛力。
ISO 20022 尋求解決的一個關鍵問題是缺乏數字dent標識符 (DTI)，這對於區分不同數字貨幣至關重要。與美元或歐元等法定貨幣不同，Bitcoin和BitcoinCash等dent貨幣缺乏普遍認可的標識符，這使得銀行難以trac和處理它們。
例如，雖然銀行的系統可以輕鬆dent涉及美元或澳元的交易，但它很難區分涉及Bitcoin和BitcoinCash的交易。
ISO 20022 通過引入數字貨幣標準化語言提出瞭解決方案。這將使金融機構更容易促進涉及加密貨幣的跨境支付。這一全球標準有望提高效率並減少錯誤，同時確保更好的監管合規性、透明度和欺詐保護。
採用 ISO 20022 的加密貨幣
據Cryptopolitan 報道，採用該標準的加密貨幣包括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操作性。
經濟學家表示，將這些代幣納入 ISO 20022 合規列表將使它們成爲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。
對於金融機構而言，ISO 20022 合規性不僅僅意味着技術升級。它實現無縫通信並確保遵守日益嚴格的全球法規。
隨着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，因爲該協議豐富的數據功能可幫助機構更好地trac和報告交易。
將 ISO 20022 應用於代幣的可行性
加密貨幣採用 ISO 20022 並不像某些人想象的那麼簡單。雖然公司可以遵守 ISO 20022 標準，但這並不意味着區塊鏈或代幣本身本質上是合規的。
這種區別很重要，因爲在協議層面，許多加密貨幣仍然在 ISO 20022 範圍之外運行。系統不會matic識別數字代幣是否合規，因此公司和項目必須自願將這些標準集成到其系統中。
ISO 20022 的作用主要在於消息傳遞層，而不是改變數字貨幣的基本區塊鏈結構。這意味着，雖然符合 ISO 20022 的加密貨幣可以與傳統金融網絡更無縫地通信，但其潛在的去中心化性質保持不變。
ISO 20022 是金融機構之間tron數據交換的國際標準， XRP是符合這些標準的數字資產。 ISO 20022 是一種消息傳遞標準，可實現銀行系統中的互操作性和數據交換* #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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