Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.
TOPIC
Міграція транскордонних повідомлень, відповідність структурованим адресам, SEPA Instant, SWIFT gpi та оптові платіжні рейки. Інструменти, плейбуки та регуляторний календар.
Stablecoins cannot pay yield under the GENIUS Act. On 8 May 2026, BlackRock filed two SEC registrations for products that solve this constraint by being regulated as money market funds rather than stablecoins — while behaving, in the wallet, like yield-bearing dollars. A close reading of BRSRV, BSTBL, and the OCC rulemaking they respond to.
From novembre 2026, SWIFT CBPR+ requires structured postal addresses in cross-border payment messages. Unstructured address lines (AdrLine alone) will no longer be accepted for key party fields in pacs.008. At minimum, TwnNm and Ctry are required, with StrtNm and BldgNb or PstBx recommended. With six months to go, 65% of payment messages still contain unstructured addresses and 44% of banks remain behind schedule.
Quantum computing threatens payment system cryptography. The EPAA white paper outlines the structural risk and the urgent case for PQC migration.
Automate the creation of ISO 20022 pain.001 payment files from CSV or SQLite. pain001 is the open-source Python library that streamlines compliance.
Developing a comprehensive framework for the next generation of Ethereum Request for Comment compliant tokens using the ERC-223 standard.
A significant chapter in the evolution of the global financial landscape, shaped by technological innovation, geopolitical shifts, and sustainable finance.