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.
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.
Business payments rely on structured references (QR references, SCOR) for automatic matching. Blockchain memos carry no standard format.
Without ISO 20022 compatibility, companies face a binary choice: bank rails or crypto rails. The gateway makes them composable.
Corporate ERP systems consume ISO 20022 messages (pain.001, camt.053, camt.054) from their banks. This matrix tracks when that bank→corporate interface went live in each market — and where ISOFIX fills the gap.
| Country · Bank→Corp Format | 2008 | 2015 | '22 | '23 | '24 | '25 | '26 | '27 | '28 |
|---|---|---|---|---|---|---|---|---|---|
SWIFT CBPR+ pain / pacs / camt over FINplus |
· | · | · | ◑ | ◑ | ● | ● | ● | ● |
🇪🇺 EU / Eurozone SEPA pain.001 · T2 camt · EUR |
● | ● | ● | ● | ● | ● | ● | ● | ● |
🇩🇪 Germany SEPA pain.001 · DK-Spec · EUR |
● | ● | ● | ● | ● | ● | ● | ● | ● |
🇨🇭 Switzerland SIC pain.001 · camt · QR-bill · CHF |
· | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ |
🇺🇸 United States Fedwire · CHIPS · BAI2/camt · USD |
· | · | · | · | ○ | ● | ● | ● | ● |
🇯🇵 Japan BOJ-NET · Zengin · JPY |
· | ◐ | ◐ | ◐ | ◐ | ● | ● | ● | ● |
🇸🇬 Singapore MEPS+ · FAST · SGD |
· | · | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ |
Since Nov 2025, ISO 20022 is the exclusive cross-border standard. Corporates in the EU have used pain.001 / camt.053 since 2008. Swiss corporates since 2015. US corporates are now entering the camt transition — still largely on BAI2, the exact format ISOFIX also generates. Japan upgraded to enriched in Nov 2025. 70+ countries adopted, covering >80% of global HV payment volume.
ISOFIX generates the same messages corporates receive from banks — but sourced from Solana. ERP systems can't tell the difference.
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.
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.
The gateway reads on-chain data and generates XML that any ERP system can import natively.
{
"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>114908...062</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.
┌──────────────┐ ┌────────────────────────────┐ ┌──────────────┐ │ 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.
semt.002 generates securities custody reports for SPL token holdings. 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.
Additional ISO 20022 dialects (pacs, acmt). ERP integration guides. Multi-chain ISO 20022 support. Open standard for blockchain ↔ ISO 20022.
© 2026 Roman Bischoff, Zürich · Solana ISO 20022 Message Gateway · Built for StableHacks 2026