Sebastien Rousseau
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ISO 20022 da Biyan Kuɗi

Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.

TOPIC

ISO 20022 & Payments

Ƙauran saƙon kuɗi a tsakanin ƙasashe, biyan adireshin tsari, SEPA Instant, SWIFT gpi da hanyoyin biyan kuɗin manyan da suka tallafa wa duka. Kayan aiki, littattafan koyarwa da kalandar tsari.

Visual register for the wholesale-payments shift in 2026 — messaging migration giving way to programmable settlement across ISO 20022, tokenised deposits, real-time rails, and cross-border atomicity.
Biyan Kuɗi Na Wholesale · ISO 20022 · Tokenised Deposits

Index na Biyan Kuɗi na Wholesale a 2026: ISO 20022, Tokenised Deposits, Layukan Ainihin-Lokaci, da Settlement na Cross-Border

· Sebastien Rousseau

Tsarin index don auna shirin biyan kuɗi na wholesale a 2026: bin doka na structured-address na ISO 20022 kafin matakin Nuwamba 2026 na SWIFT, settlement na tokenised-deposit, atomicity na cross-border na BIS Project Agorá, jagoranci na layukan ainihin-lokaci, da ingancin ruwa. Kashi huɗu — cikar bayanan da aka tsara, mafi kyawun jagorancin layi, jinkirin settlement-finality, da rufin Agorá-corridor — suna mai da matsayin aikin biyan kuɗi shaida da ke shirye don kulawa.

UK wholesale digital markets diagram showing tokenised gilts, settlement, digital assets, tokenised deposits, regulatory coordination, and capital markets infrastructure
Kasuwannin Dijital Na Yawa · Gilts Tokenised · Chris Woolard

Kasuwannin Dijital na Yawa a Birtaniya: Gilts Tokenised, Sasantawa, da Sabon Matsayin Zakara

· Sebastien Rousseau

Matsayin Zakara na Kasuwannin Dijital na Yawa na Birtaniya yana mai da gilts da aka mai da su zuwa tokens, sasantawa ta DLT, da kuɗin yawa na dijital zuwa aikin ƙarfin gasa na ƙasa. Tambayar dabaru ta 2026 ga bankuna ita ce horon zane — wane kadarorin tokenised ke kan wace dandali, yadda ake nuna shaidar haɗarin sasantawa, da kuma yadda za a kare matsayin yawa na City of London akan Singapore, Switzerland, da Frankfurt.

ISO 20022 payment data product diagram showing structured addresses, purpose codes, reconciliation, fraud detection, liquidity forecasting, sanctions screening, and analytics products
ISO 20022 · Adireshi Mai Tsari · CBPR+

ISO 20022 Bayan Ƙaura: Juyar da Bayanan Biyan Kuɗi zuwa Kayayyakin Banki a 2026

· Sebastien Rousseau

ISO 20022 bayan ƙaura ba rufe aikin ba ne — farkon damar samfurin bayanai ne. Adireshi mai tsari, lambobin manufa, bayanan daftari, da abubuwan da suka faru masu wadata sun zama kayayyakin daidaitawa, zamba, kuɗi, da bin doka. Tambayar 2026 ita ce horon ƙira: wane bayanan biyan kuɗi yana ɗauke da wane aikin abokin ciniki, an ƙididdige farashin ga wane kamfani.

UK payments modernisation diagram showing stablecoins, tokenised deposits, open banking, AI agents, FCA regulation, PSR consolidation, and wholesale digital markets
Biyan Kuɗi Na UK · Payments Forward Plan · Stablecoins

UK Payments Forward Plan a 2026: Stablecoins, Open Banking, Adibassu da Aka Mai Da Su Tokens, da Biyan Kuɗi ta Wakili

· Sebastien Rousseau

UK Payments Forward Plan da fakitin manufofin Afrilu 2026 sun shimfiɗa tsari ɗaya ga biyan kuɗi na al'ada, stablecoins, adibassu da aka mai da su tokens, open banking, da biyan kuɗi ta wakili. Tambayar dabarun ga bankuna ita ce horon zane: wace data, hanyoyi, sarrafawa, alhakai, da hanyoyin aikin abokin ciniki suka dace tare — kuma yadda za a tabbatar wa masu tsari.

Agentic payments architecture diagram showing AI agents, consent mandates, tokenised credentials, card networks, banks, merchants, and audit trails
Biyan Kuɗi Ta Wakili · AI Payments · Mastercard Agent Pay

Biyan Kuɗi ta Wakili a Banki: Yarda, Alhaki, da Sabon UX na Biyan Kuɗi 2026

· Sebastien Rousseau

Biyan kuɗi ta wakili a 2026 ba ra'ayi ba ne kuma: Mastercard da Rabobank sun aiwatar da hada-hada kai tsaye a Netherlands inda AI agent ya fara biyan kuɗi ta Mastercard Agent Pay ba tare da taɓa bayanan kati ba. Umarnin sa hannu masu salon AP2, x402, A2A, MCP da MPP suna fitowa a matsayin Layer na protocol, yayin da EFTA, Regulation E da dokar sabis na biyan kuɗi ta UK har yanzu ba a sabunta su don hada-hada na wakili masu zaman kansu ba. Bankuna yanzu suna buƙatar gine-ginen yarda + sa hannu + alhaki da ke samar da shaida kafin sasantawa — ba tsaron rikici na baya-bayan nan ba.

Turned off laptop computer on top of brown wooden table
Pain001 · ISO 20022 · CustomerCreditTransferInitiation

Automating ISO 20022 Payment Files Creation with pain001

· Sebastien Rousseau

pain001 is an open-source Python library that generates ISO 20022 pain.001.001.09 (CustomerCreditTransferInitiation) XML from CSV or SQLite input, validates output against the XSD schema, and computes CtrlSum and NbOfTxs automatically — supporting both SEPA SCT and CBPR+ cross-border message formats.

Giant white pillars
EXTC Platform · ERC-223 · Ethereum

The making of the Express Transaction Credits Platform

· Sebastien Rousseau

Labari na ainihi game da gina dandalin EXTC a Ethereum ERC-223 a farkon 2018: yadda aka tsara token contract, abin da aka ƙera multi-signature da time-lock primitives su yi, da abin da gwajin ya bayyana game da iyakokin aiki na blockchain don hanyoyin biyan kuɗi.

Turned off laptop computer on top of brown wooden table
EXTC · ERC-223 · Ethereum

Unveiling a new Cryptocurrency and Faster Payment Solution

· Sebastien Rousseau

Dandalin Express Transaction Credits (EXTC) ya kasance gwaji na farkon 2018 a cikin biyan kuɗi masu shirye-shirye a Ethereum, yana amfani da ERC-223 smart contracts don bawa damar canja wurin cross-border na gaggawa da kuma atomic payment flows — ra'ayoyin da decentralised finance ya ƙara daga baya.