Open-source infrastructure that turns Solana into a Global RTGS — real-time gross settlement at ~$0.001 per message, zero bank permission required. Generate bank statements, custody reports, and payment orders in ISO 20022 XML. Import into any ERP or accounting system.
Stablecoins are fast and cheap. But companies can't adopt them until their ERP, accounting, and treasury systems can understand stablecoin transactions. That requires ISO 20022 — and until now, no open bridge existed.
SAP, Oracle, Bexio, Abacus — they all import ISO 20022 XML. Solana transactions are invisible to these systems without a translation layer.
Ripple claims ISO 20022 alignment but provides no public documentation, tooling, or message generation. It's a black box. Solana had nothing — until now.
Business payments rely on structured references (QR references, SCOR) for automatic matching. Blockchain memos carry no standard format for this.
Without ISO 20022 compatibility, companies face a binary choice: bank rails or crypto rails. The gateway makes them composable.
A message gateway (our hackathon submission) and a payment app that together close the loop from invoice to on-chain settlement to accounting import.
Bidirectional message gateway. Reads Solana stablecoin transactions, generates compliant ISO 20022 XML — bank statements, payment notifications, securities custody reports. Or takes an ISO 20022 payment order and executes it as a Solana SPL transfer.
UI mode: Upload pain.001 in browser, sign with Phantom / Solflare. REST mode: ERP POSTs pain.001, gateway executes and returns pacs.002 status.
Scan or upload a Swiss QR invoice and pay it with stablecoins on Solana. The QR reference is embedded as an SPL Memo for downstream reconciliation by the gateway. A showcase of what becomes possible when stablecoins speak ISO 20022.
{
"signature": "4sGjMW1sU...",
"timestamp": 1710892800,
"tokenTransfers": [{
"mint": "AhhdRu5Y...LFHsch",
"tokenAmount": 1949.75,
"fromUserAccount": "7xKXtg2C...",
"toUserAccount": "9mYR4jLe..."
}],
"memo": "QRR:114908924020000001000000062"
}
<BkToCstmrStmt> <Stmt> <Acct><Id><Othr><Id>9mYR4jLe...</Id> <Ntry> <Amt Ccy="CHF">1949.75</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <BookgDt><Dt>2025-03-20</Dt></BookgDt> <AcctSvcrRef>4sGjMW1sU...</AcctSvcrRef> <NtryDtls><TxDtls><RmtInf><Strd> <CdtrRefInf><Ref>114908924020000001000000062</Ref> </Strd></RmtInf></TxDtls></NtryDtls> </Ntry> </Stmt> </BkToCstmrStmt>
Interactive flow diagrams and field-level mapping documentation. Early visitors have told us these pages were the most compelling part of the project.
Full pitch — problem, architecture, live demo, and roadmap
Animated inbound/outbound flows with live & webhook modes
Every Solana field → ISO 20022 XPath, with transformation logic
Common questions about the gateway, mapping, and architecture
Setup, accounting impact, benefits, and risks
Live apps running on Solana mainnet and devnet.
No React, no Node.js, no build tools. Open the file in a browser and it works.
┌──────────────┐ ┌────────────────────────────┐ ┌──────────────┐ │ Solana │ ──RPC──▶│ Solana ISO20022 Gateway │────XML──▶│ ERP / │ │ Blockchain │ │ (single HTML file) │ │ Accounting │ └──────────────┘ └────────────────────────────┘ └──────────────┘
QRR: prefix in SPL Memo maps to <CdtrRefInf> in camt.053/054. Auto-match in accounting software.
verified-iban.sol Bonfida subdomains resolve bank IBANs to Solana wallet addresses. DNS-style attributes on each record can specify token preference (USDC, EURC), legal entity name, and more.
semt.002 generates securities custody reports for SPL token holdings. The gateway is not payment-only infrastructure.
Encode Hackathon 2024, Solana Foundation.
Winner 2024 — Innosuisse grant recipient.
20+ years TradFi — FX, equity, payments, DLT. 10+ years in crypto.
Web3 and Solana specialist. Core apps and on-chain integrations.
Partnership growth. 8 years in crypto. Women in Web3.
Research partner: Prof. Dr. Aleksander Berentsen, Universität Basel
camt.053 / camt.054 / semt.002 / BAI2 generation. pain.001 execution. QR reference reconciliation. Single-file, zero-dependency architecture.
REST API: pain.001 intake with pacs.002 status response. Webhook-based camt.054 notifications. Squads multi-sig for pain.001 execution. Cloudflare Workers RPC proxy. DNS-style SNS attributes (token preference, entity name).
Additional ISO 20022 dialects (pacs, acmt). Deep-dive with ERP and accounting experts. Multi-chain ISO 20022 support. Open standard for blockchain ↔ ISO 20022.