Open-source infrastructure that bridges Solana stablecoin transactions to ISO 20022 — the universal financial messaging standard. Generate bank statements, custody reports, and payment orders. Import into any ERP or accounting system.
Stablecoins are fast and cheap. But companies can't adopt them until their ERP, accounting, and treasury systems can understand stablecoin transactions. That requires ISO 20022 — and until now, no open bridge existed.
SAP, Oracle, Bexio, Abacus — they all import ISO 20022 XML. Solana transactions are invisible to these systems without a translation layer.
Ripple claims ISO 20022 alignment but provides no public documentation, tooling, or message generation. It's a black box. Solana had nothing — until now.
Business payments rely on structured references (QR references, SCOR) for automatic matching. Blockchain memos carry no standard format for this.
Without ISO 20022 compatibility, companies face a binary choice: bank rails or crypto rails. The gateway makes them composable.
A message gateway (our hackathon submission) and a payment app that together close the loop from invoice to on-chain settlement to accounting import.
Bidirectional message gateway. Reads Solana stablecoin transactions, generates compliant ISO 20022 XML — bank statements, payment notifications, securities custody reports. Or takes an ISO 20022 payment order and executes it as a Solana SPL transfer. Not limited to payments or to any specific geography.
Scan or upload a Swiss QR invoice and pay it with stablecoins on Solana. The QR reference is embedded as an SPL Memo for downstream reconciliation by the gateway. A showcase of what becomes possible when stablecoins speak ISO 20022.
{
"signature": "4sGjMW1sU...",
"timestamp": 1710892800,
"tokenTransfers": [{
"mint": "AhhdRu5Y...LFHsch",
"tokenAmount": 1949.75,
"fromUserAccount": "7xKXtg2C...",
"toUserAccount": "9mYR4jLe..."
}],
"memo": "QRR:114908924020000001000000062"
}
<BkToCstmrStmt> <Stmt> <Acct><Id><Othr><Id>9mYR4jLe...</Id> <Ntry> <Amt Ccy="CHF">1949.75</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <BookgDt><Dt>2025-03-20</Dt></BookgDt> <AcctSvcrRef>4sGjMW1sU...</AcctSvcrRef> <NtryDtls><TxDtls><RmtInf><Strd> <CdtrRefInf><Ref>114908924020000001000000062</Ref> </Strd></RmtInf></TxDtls></NtryDtls> </Ntry> </Stmt> </BkToCstmrStmt>
Interactive flow diagrams and field-level mapping documentation. Early visitors have told us these pages were the most compelling part of the project.
Live apps running on Solana mainnet and devnet.
Will be embedded here before the March 22 deadline.
No React, no Node.js, no build tools. Open the file in a browser and it works.
┌──────────────┐ ┌────────────────────────────┐ ┌──────────────┐ │ Solana │ ──RPC──▶│ Solana ISO20022 Gateway │────XML──▶│ ERP / │ │ Blockchain │ │ (single HTML file) │ │ Accounting │ └──────────────┘ └────────────────────────────┘ └──────────────┘
QRR: prefix in SPL Memo maps to <CdtrRefInf> in camt.053/054. Auto-match in accounting software.
verified-iban.sol Bonfida subdomains resolve bank IBANs to Solana wallet addresses.
semt.002 generates securities custody reports for SPL token holdings. The gateway is not payment-only infrastructure.
Encode Hackathon 2024, Solana Foundation.
Winner 2024 — Innosuisse grant recipient.
20+ years TradFi — FX, equity, payments, DLT. 10+ years in crypto.
Web3 and Solana specialist. Core apps and on-chain integrations.
Partnership growth. 8 years in crypto. Women in Web3.
Research partner: Prof. Dr. Aleksander Berentsen, Universität Basel
camt.053 / camt.054 / semt.002 generation. pain.001 execution. QR reference reconciliation. Single-file, zero-dependency architecture.
Cloudflare Workers RPC proxy. Webhook-based camt.054 notifications. swiyu E-ID integration for verified identity attestations.
AlpenSign biometric payment sealing. Multi-chain ISO 20022 support. Additional message types (pacs, acmt). Open standard for blockchain ↔ ISO 20022.