Stablecoins are fast and cheap. But companies can't adopt them until their ERP, accounting, and treasury systems understand stablecoin transactions.
SAP, Oracle, Bexio, Abacus — they all import ISO 20022 XML. Solana transactions are invisible without a translation layer.
Ripple claims ISO 20022 alignment but provides no public tooling or message generation. Solana had nothing — until now.
Business payments rely on structured references (QR, SCOR) for automatic matching. Blockchain memos have no standard format.
Without ISO 20022 compatibility, companies face a binary choice: bank rails or crypto rails. The gateway makes them composable.
ISO 20022 is the universal language of financial messaging. It is not optional infrastructure — it is the infrastructure.
11,000+ banks connected to SWIFT are migrating to ISO 20022 (SWIFT MX). It is becoming the single standard for cross-border and domestic interbank messaging worldwide.
Hundreds of thousands of corporates and institutional clients communicate with their banks via ISO 20022 — for payment initiation, cash reporting, and reconciliation.
SAP, Oracle, Abacus, bexio, Odoo — every major ERP and accounting system can import camt.053/054 statements and export pain.001 payment orders. But none of them can read blockchain transactions.
In TradFi, every trade has a security leg and a cash leg. As capital markets move on-chain, the cash leg still needs to settle in the language of banks — ISO 20022. Without it, tokenized assets remain disconnected from institutional settlement infrastructure.
If Solana and stablecoins want to be taken seriously by institutional finance, they must speak the language banks already use. Ripple played the ISO 20022 card years ago — Solana had no equivalent. Until now.
A stablecoin payment that cannot be booked is a payment that cannot be adopted. Companies need camt.053 statements and camt.054 notifications to close their books — regardless of the underlying rail.
Gbits Pay lets users scan Swiss QR invoices and pay with stablecoins. But for the receiving business, that payment was invisible to their ERP. The gateway closes this loop.
Bidirectional message gateway. Reads Solana stablecoin transactions, generates compliant ISO 20022 XML. Or takes an ISO 20022 payment order and executes it as a Solana SPL transfer.
Scan a Swiss QR invoice and pay with stablecoins. The QR reference is embedded as SPL Memo for downstream reconciliation by the gateway.
{
"signature": "4sGjMW1sU...",
"timestamp": 1710892800,
"tokenTransfers": [{
"mint": "AhhdRu5Y...LFHsch",
"tokenAmount": 1949.75,
"fromUserAccount": "7xKXtg2C...",
"toUserAccount": "9mYR4jLe..."
}],
"memo": "QRR:21000000000313..."
}
<BkToCstmrStmt> <Stmt> <Acct><Id><Othr><Id>9mYR4jLe...</Id> <Ntry> <Amt Ccy="CHF">1949.75</Amt> <AcctSvcrRef>4sGjMW1sU...</AcctSvcrRef> <NtryDtls><TxDtls><RmtInf><Strd> <CdtrRefInf><Ref>21000000000313...</Ref> </Strd></RmtInf></TxDtls></NtryDtls> </Ntry></Stmt> </BkToCstmrStmt>
No React, no Node.js, no build tools. Open the file in a browser and it works.
The field mapping is fully documented. It's super easy to modify the field mapping in ChatGPT or Claude Code.
┌──────────────┐ ┌────────────────────────────┐ ┌──────────────┐ │ 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.
verified-iban.sol subdomains resolve bank IBANs to Solana addresses.
semt.002 generates securities custody reports. The gateway is not payment-only.
Encode Hackathon 2024, Solana Foundation.
Winner 2024 — Innosuisse grant recipient.
20+ years TradFi — FX, equity, payments, DLT.
Web3 and Solana specialist.
8 years in crypto. Women in Web3.
camt.053 / camt.054 / semt.002 / BAI2 generation. pain.001 execution. QR reference reconciliation. Single-file, zero-dependency architecture.
REST or GraphQL API for accepting pain.001 messages and delivering camt.053 / camt.054 messages. Cloudflare Workers RPC proxy. Webhook-based camt.054 notifications. Support client-specific mapping logic extensions.
Support additional ISO 20022 dialects (pacs, acmt). Deep-dive with ERP and accounting experts on integration patterns. Sounding on field mapping with industry experts. Multi-chain ISO 20022 support. Open standard for blockchain ↔ ISO 20022.
© 2026 Roman Bischoff, Zürich · Solana ISO 20022 Message Gateway · StableHacks 2026