Evergreen, practitioner-written explainers on payments infrastructure, reference data, ISO 20022, stablecoins, and verifiable identity.
A Business Identifier Code, or BIC, is an ISO 9362 identifier used to identify business parties and support the automated routing of business transactions. Swift acts as the ISO registration authority for BICs.
SwiftRef Identifiers Directory is a global reference-data product for validating and cross-referencing payment identifiers. Swift describes it as a single source of data collected from central banks, code issuers, clearing and settlement mechanism...
An ISO 20022 investigations solution must do more than translate an MT message into XML. It must connect the investigation request, response, original payment, parties, status, ownership, and audit trail through a controlled workflow.
If the first question is which blockchain to use, the stablecoin project has started in the wrong place.
A token can move on a blockchain in seconds. That does not mean the underlying financial obligation has finished settling.
Agent payment oversight is the set of technical and human controls that determines whether an AI agent may prepare, propose, approve, or execute a payment. The controls must bind the agent to a specific principal, delegated task, account, counterp...
Programmable compliance means turning defined control requirements into rules, data checks, workflow gates, and evidence that software can execute consistently. In payments, that may include validating required data, applying transaction limits, c...