November 28, 2025

ISO 20022 is not just a language.
It’s the virtual network of global money flows.

Worldwide. Now. 🌐

With the switch today from the 50-year-old MT format to ISO 20022 for all cross-border payments on Swift , a real milestone is reached.

This is more than a technical update. It is the moment global finance becomes structured, rich and machine-readable, after twenty years of work and billions invested.

🎯 What ISO 20022 unlocks

• End-to-end visibility across intermediaries
• Consistent data from corporates → banks → infrastructures
• Better AML, fraud and sanctions detection with flow context
• Stronger liquidity and cash-flow forecasting
• Clearer counterparty behaviour and client intelligence
• Interoperability between TradFi and DeFi
• A foundation for agent-to-agent automation

💡 The opportunity is in the flows, not the fields

• Flows, not isolated values
• Graphs, not rows
• Patterns, not syntax
• Meaning, not formatting
• ROI, not sleeping XML data

⚡️ ISO 20022 now needs a Flow Intelligence Layer

• A layer that transforms transactions into flows, flows into behaviour and behaviour into decisions
• A layer that turns rich data into live understanding of risk, liquidity and counterparties
• This is what TxFlow and TxAgent deliver.

From compliance to liquidity to insight: ISO 20022 is only the beginning.

Understanding flows is the real advantage.

And the data has already started flowing.

Worldwide. Now. 🌐