TxFlow transforms SWIFT MT and ISO 20022 messages into trusted, structured datasets for analytics, AI and operational workflows. It parses, enriches and standardizes complex financial messages so they can be used for investigations, compliance, treasury, reporting and machine learning.

From ISO 20022 migration and postal address structuring to AI-ready transaction models, TxFlow helps financial institutions turn raw interbank messaging data into operational intelligence.

At a Glance

• Convert unstructured postal addresses into hybrid, structured and geolocated ISO 20022 formats.
• Parse SWIFT MT and ISO 20022 messages into consistent JSON or SQL-ready data models.
• Enrich critical fields with country codes, geolocation, time zones, BICs, LEIs and entity information.
• Support analytics, AI and operational workflows with trusted transaction data.
• Deploy on-premises, in the cloud or as a scalable Kubernetes-based data pipeline.
• Proven in Tier 1 banking environments processing more than 1 million transactions.
• Validated with more than 99% accuracy on address parsing.
• Demonstrated reduction of sanctions-screening false positives in address-quality scenarios.

Core Capabilities

• Financial message parsing: Extract blocks, sections, fields and subfields from SWIFT MT and ISO 20022 messages into a machine-readable data model.
• Postal address structuring: Convert unstructured and hybrid postal addresses into structured ISO 20022-compliant formats.
• Geolocation and enrichment: Enrich addresses and entities with geocoordinates, country codes, time zones, BICs, LEIs and external reference data.
• Data quality checks: Flag incomplete, inconsistent or implausible address components using geospatial and reference-data validation.
• Structured output: Produce nested JSON, SQL-ready tables or Excel-ready exports for analytics, reporting and machine learning workflows.
• Pipeline integration: Deploy TxFlow as an API, batch process or scalable data pipeline writing to destinations such as BigQuery or other enterprise data platforms.

See more in our Knowledge Base.

Example: ISO 20022 Address Structuring

One of the major challenges in ISO 20022 migration is postal address quality. Unstructured addresses remain difficult to process, validate and screen consistently across systems.

TxFlow converts unstructured postal addresses into hybrid, structured and geolocated ISO 20022 formats. This improves data quality, supports migration initiatives and creates a stronger foundation for downstream compliance, analytics and AI use cases.

• Convert unstructured address lines into structured ISO 20022 components.
• Support hybrid and structured address formats.
• Improve completeness, consistency and machine readability.
• Enrich addresses with geolocation and reference data.

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Production Readiness

TxFlow is designed for enterprise deployment. It can run on-premises, in the cloud or as a scalable Kubernetes-based pipeline integrated into existing banking infrastructure.

The solution has been proven in Tier 1 banking environments and validated on large-scale datasets with more than 1 million transactions. It supports high-volume processing, address enrichment, structured outputs and integration with enterprise data platforms such as BigQuery.

More details on cloud integration are available here.

Applications

Operations: Better data quality for payment operations and ISO 20022 migration.

• Prepare SWIFT MT and ISO 20022 data for analytics and operational workflows.
• Support address migration, validation and message-quality initiatives.
• Create structured datasets for payment investigations and exception handling.

Compliance: Stronger data foundations for screening and investigations.

• Improve address quality for sanctions-screening processes.
• Analyze transaction flows, counterparties and jurisdictions for AML investigations.
• Support explainable, data-driven compliance workflows.

Treasury & Customer Intelligence: Transaction data ready for analytics and AI.

• Analyze cash flows, liquidity patterns and transaction behavior.
• Support customer profiling based on activity, geography, counterparties and purpose codes.
• Create AI-ready datasets for forecasting, monitoring and reporting.

Flexible Integration

• API or pipeline: Use TxFlow as a simple API, batch processor or enterprise-scale data pipeline.
• Cloud or on-premises: Deploy on Google Cloud, Kubernetes or your own infrastructure.
• Data destinations: Write structured outputs to BigQuery, databases, files or downstream applications.
• Modular architecture: Keep downstream usage fully under your control.
• AI synergy: Combine TxFlow with TxAgent for natural-language investigations, analytics and reporting.

SWIFT MT Is Still Relevant

The global migration to ISO 20022 is reshaping financial messaging, but SWIFT MT remains important across many domains. TxFlow supports both SWIFT MT and ISO 20022, helping institutions maintain continuity while preparing for future data-driven use cases.

MT messages remain relevant for:

• Securities post-trade processes
• Clearing and settlement
• Corporate actions
• FX
• Treasury and trade finance

More details on TxFlow features are available here and on cloud integration here.