ISO 20022 CBPR+

Born-native ISO 20022 CBPR+ — not a translation layer. Level 1 (schema conformance) and Level 2 (SWIFT usage guidelines) validation passed across all 5 message types. PayNet provides AI-powered translation for non-ISO inputs.

Native CBPR+ Compliance

The Settlement Computer is born-native ISO 20022 CBPR+ — not a legacy system with a translation wrapper. All obligation recording, settlement instructions, and reporting use native ISO 20022 message types. Level 1 (schema conformance) and Level 2 (SWIFT usage guidelines) validation has been passed across all 5 message types.

pain.001
Customer Credit Transfer Initiation
pacs.008
FI to FI Customer Credit Transfer
pacs.002
Payment Status Report
camt.054
Bank to Customer Debit/Credit Notification
camt.053
Bank to Customer Statement
FX Oracle
AFXO — deterministic global FX rate feeds

AI-Powered Translation

PayNet includes an AI-powered translation layer that converts non-standard payment formats (mobile money, PSP, legacy SWIFT MT) into CBPR+ compliant messages. This eliminates the integration burden for participants who have not yet migrated to ISO 20022.

01

Primary Translation

Claude Haiku 4.5 handles standard format conversions. Sub-second latency. 100% cache hit rate on recurring patterns (6,390+ cache hits, 0 misses).

02

Escalation Path

Complex or ambiguous messages escalate to Claude Sonnet for higher-fidelity translation. Automatic quality scoring determines escalation threshold.

03

SWIFT MT Migration

Converts legacy SWIFT MT messages (MT103, MT202, MT940) to ISO 20022 equivalents. Addresses the mandatory SWIFT CBPR+ migration timeline (Nov 2025–2028+).

04

Mobile Money Translation

Converts Safaricom Daraja (M-Pesa), Airtel Money, and other mobile money API formats into ISO 20022 obligations. Enables retail-scale flows to enter institutional netting.

SWIFT CBPR+ Migration Context

SWIFT's mandatory ISO 20022 migration (November 2025–2028+) is retiring 50+ MT message types. This creates a structural tailwind for the Settlement Computer: institutions facing migration costs can route through PayNet's AI translation layer rather than rebuilding internal message formats. The Settlement Computer adds cost burden to CLS members who must now maintain both MT and MX formats during the transition period.

Migration Timeline

  • November 2025: CBPR+ coexistence begins
  • 2026–2027: Progressive MT type retirements
  • 2028+: Full ISO 20022 mandate
  • 50+ MT message types retiring

Settlement Computer Advantage

  • Born-native ISO 20022 (no migration needed)
  • AI translation bypasses migration entirely
  • No dual-format maintenance costs
  • Structural cost advantage vs legacy systems

Validation Status

Level 1
Schema conformance — PASSED
Level 2
SWIFT usage guidelines — PASSED
Message Types
5 (pain.001, pacs.008, pacs.002, camt.054, camt.053)
Audit
CBPR+ audit documentation maintained

Integration specifications under NDA

ISO 20022 message specifications, translation API reference, and CBPR+ audit documentation are available for qualified institutional participants.

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