📅 November 22, 2025 — the day the world’s financial plumbing gets rewritten.
That’s when the official ISO 20022 migration goes live, and every bank or institution still using old SWIFT MT messages will have to switch — permanently.
For decades, the global financial system relied on text-based MT formats — simple, outdated messages that could barely carry useful data.
But starting November 22, everything moves to FINplus, the upgraded network supporting ISO 20022 — a structured, intelligent, and data-rich messaging standard.
💡 This isn’t just a software update — it’s the biggest transformation in financial history.
ISO 20022 creates a universal financial language, merging traditional banking, digital assets, and blockchain into one interoperable ecosystem.
Here’s why it matters 👇
Every transaction can now carry detailed, machine-readable data — who’s sending it, why it’s sent, and how it’s processed.
It’s tailor-made for CBDCs, stablecoins, and tokenized assets, where automation and transparency are critical.
Banks and blockchains will finally speak the same language.
Until now, legacy SWIFT systems used closed MT messages, while blockchain networks like Ripple, Stellar, Hedera, and Quant used open, structured data.
ISO 20022 bridges that gap — unifying global payments under a single, programmable format.
🌍 After November 22, 2025, all cross-border payments (CBPR+) will migrate to the new FINplus ISO 20022 system.
Old MT messages (like MT103 or MT202) will be completely phased out.
That means central banks, commercial banks, and fintechs will all operate on one connected data layer — built for the digital era.
🔥 ISO 20022-compliant crypto projects — Ripple (
$XRP ), Hedera (
$HBAR ), Stellar (
$XLM ), and Quant ($QNT) — are now perfectly positioned to lead the next phase of global finance.
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