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SWIFT

Curated insights and technical field notes on SWIFT.

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Architecture

ISO 20022's real deadline is a data migration, not a message change

The translator is ready, the mapping is tested, the structured fields are wired - and the project is still not on track, because the customer records are missing structured address data across KYC, core banking, and correspondent files. In November 2026, SWIFT, SEPA, and CHAPS start rejecting unstructured addresses, and most banks are framing the wrong problem.

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01 / Payments

Commerce architecture

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02 / AI tooling

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