Solana ISO 20022 Gateway — StableHacks 2026 Presentation

Solana ISO 20022 Message Gateway — Team Gbits.io — StableHacks 2026

Live translator app analogy — English speaker, smartphone, Korean speaker

01b — Context

ISO 20022 is the universal language of financial messaging.

🏦

Bank - Bank

🏢

Bank - Clients

Solana Blockchain - Clients

⚙️

ERP & accounting, treasury systems

01c — The Perception Gap

Ask any AI about ISO 20022 and blockchains

Grok answer: ISO 20022 compatible blockchains — no Solana

Grok — March 2026

The answer is always Ripple, Stellar, XDC, Algorand, Quant, Hedera

No mention of Solana.

Same answer across

Grok ChatGPT 5.1 Gemini Claude Opus 4.6

Observation AI and payment professionals have the same opinion.
Solana is not in the conversation — until now.

02b — The Translation

Solana Transaction → ISO 20022 camt.053 | camt.054

Solana Transaction──▶Gateway──▶ISO 20022 camt.053 | camt.054

Solana RPC Response

{
  "signature": "4sGjMW1sU...",
  "timestamp": 1710892800,
  "tokenTransfers": [{
    "mint": "AhhdRu5Y...LFHsch",
    "tokenAmount": 1949.75,
    "fromUserAccount": "7xKXtg2C...",
    "toUserAccount": "9mYR4jLe..."
  }],
  "memo": "QRR:21000000000313..."
}

Gateway

Generated camt.053 XML

<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>

Field Mapping ↗ FAQ ↗

02c — The Reverse Direction

ISO 20022 pain.001 → Solana Transaction

UI mode: Upload pain.001 in browser → sign with Phantom / Solflare. · REST mode: ERP POSTs pain.001 → gateway executes → returns pain.002 status.

ISO 20022 pain.001──▶Gateway──▶Solana SPL Token Transfer

Uploaded pain.001 XML

<CstmrCdtTrfInitn>
  <PmtInf>
    <DbtrAcct><Id><IBAN>CH930076...</IBAN>
    <CdtTrfTxInf>
      <Amt><InstdAmt Ccy="CHF">1949.75</InstdAmt>
      <CdtrAcct><Id><IBAN>CH52048350...</IBAN>
      <RmtInf><Strd><CdtrRefInf>
        <Ref>21000000000313...</Ref>
      </CdtrRefInf></Strd></RmtInf>
    </CdtTrfTxInf></PmtInf>
</CstmrCdtTrfInitn>

Gateway

Constructed Solana Transaction

{
  "type": "SPL Token Transfer",
  "tokenTransfers": [{
    "mint": "AhhdRu5Y...LFHsch",
    "tokenAmount": 1949.75,
    "fromUserAccount": "7xKXtg2C...",
    "toUserAccount": "9mYR4jLe..."
  }],
  "memo": "QRR:21000000000313...",
  "ibanResolution": "CH52...→SNS→9mYR4j..."
}

Field Mapping ↗ FAQ ↗

04 — Architecture

Single HTML file. No build step.

No React, no Node.js, no bundler — just one library (@solana/web3.js) from a CDN. 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.

QR Reference Reconciliation

QRR: prefix in SPL Memo maps to <CdtrRefInf> in camt.053/054. Auto-match in accounting.

IBAN → Solana via SNS (Solana Name Service)

verified-iban.sol subdomains resolve bank IBANs to Solana addresses. Planned: DNS-style attributes on each record for token preference (USDC, EURC), legal entity name, and more.

Beyond Payments

semt.002 generates securities custody reports. The gateway is not payment-only.

Message Flows ↗

03 — Why It Matters

Why Solana needs an ISO 20022 gateway

01 — Credibility

Speak the bank's language

ISO 20022 is mandatory for SWIFT, SIC, TARGET2, and SEPA. If Solana can't produce compliant statements, it stays outside the financial system.

camt.053 · camt.054 · pain.001

02 — Reconciliation

Auto-match in accounting

QR references in SPL Memo map directly to <CdtrRefInf>. Accountants and ERP systems can reconcile stablecoin payments like any bank transfer.

QRR → CdtrRefInf

03 — Compliance

Audit-ready from day one

Structured statements with IBAN resolution, currency mapping, and full transaction metadata. Ready for FINMA, BaFin, or any regulator that reads ISO 20022.

FINMA · BaFin · ECB

04 — Narrative shift

Put Solana in the conversation

Every AI, every payment professional says "Ripple, Stellar, Hedera" for ISO 20022. This gateway is the proof that Solana belongs on that list.

Perception → Reality

The gateway turns Solana into a Global RTGS — real-time gross settlement at ~$0.001 per message, zero bank permission required. It translates what already exists on Solana into the format that banks, ERPs, and regulators already understand.

05 — Track Record & Team

Proven in competition. Built by payment enthusiasts.

🏆

Solana FM Track Winner

Encode Hackathon 2024, Solana Foundation.

🇨🇭

Blockchain Nation Switzerland

Winner 2024 — Innosuisse grant recipient.

Roman Bischoff

Founder & PM

Zürich, Switzerland

20+ years TradFi — FX, equity, payments, Solana hackathons

Alexandr Kazakov

Fullstack Developer

Dubai

Web3 and Solana specialist.

Rosa Seok

Business Development

South Korea & Switzerland

8 years in crypto. Women in Web3.

06 — For Companies

Accept stablecoins. Keep your accounting workflow.

What stays the same

Your ERP workflow

Same pain.001 export, same camt.053 import, same QR references, same reconciliation. SAP, Bexio, Abacus — no changes needed.

pain.001 · camt.053 · QRR

What changes

The settlement rail

Solana instead of SIC/SEPA/SWIFT. ~400ms settlement. ~$0.001 per tx. 24/7/365. Self-custody — no bank holds your funds.

Speed · Cost · Availability

For accounting

One new GL account

Treat the Solana wallet as a cash-equivalent account. BIC SOLNCHZZXXX. FX treatment like any foreign-currency account. On-chain audit trail.

GL 1090 · SOLNCHZZXXX

University Summer school, 200 participants × CHF 2,000: credit card fees ~CHF 12,000 → stablecoin fees ~CHF 0.20

Full Details: For Companies ↗

06 — What's Next

Roadmap

Now — Hackathon

Solana ISO 20022 Gateway (Core)

camt.053 / camt.054 / semt.002 / BAI2 generation. pain.001 execution. QR reference reconciliation. Single HTML file, no build step.

Next — Q2 2026

Production Hardening

REST API: pain.001 intake → pain.002 status response
Webhook-based camt.054 notifications
Squads multi-sig support for pain.001 execution
Cloudflare Workers RPC proxy
DNS-style SNS attributes (token preference, entity name)

Future — Q3+ 2026

Ecosystem Expansion

Additional ISO 20022 dialects (pacs, acmt)
Deep-dive with ERP and accounting experts
Field mapping sounding with industry experts
Multi-chain ISO 20022 support
Open standard for blockchain ↔ ISO 20022

Launch App → GitHub ↗