Подтверждено доказательствами: XRP и ADA не соответствуют стандарту ISO 20022

cryptonews.ruPublished on 2025-01-10Last updated on 2025-11-11

Разговор о соответствии XRP стандарту ISO-20022 возобновился после того, как Vet (@Vet_X0), разработчик XRP Ledger, подтвердил, что ни одна криптовалюта, включая XRP и Cardano (ADA), в настоящее время не соответствует этому стандарту.

Его пост стал ответом на заявление Чарльза Хоскинсона, создателя Cardano, который сослался на ISO 20022 как на часть усилий по согласованию ADA с развивающимися стандартами финансовых сообщений.

В своём посте Vet написал: «Дружеское напоминание: XRP и ADA не соответствуют стандарту ISO 20022. Ни одна криптовалюта не соответствует». Он подкрепил это изображением, взятым непосредственно с сайта ISO 20022, где говорится, что криптовалюты «по своей сути не соответствуют стандарту ISO 20022».

На сайте добавляется, что «в интернете много путаницы и вводящей в заблуждение информации относительно криптовалют, соответствующих стандарту ISO 20022». Возобновление внимания к этой проблеме последовало за постоянными публичными упоминаниями, которые часто предполагают, что инфраструктура XRP была создана в соответствии со стандартами ISO 20022 .

Однако, как подчеркнул Vet , стандарт определяет формат сообщений для безопасной передачи данных между финансовыми учреждениями, а не для цифровых активов или их реестров.

Система Ripple и поддержка ISO 20022

Хотя сам XRP не соответствует стандарту ISO 20022, платёжные решения Ripple разработаны для взаимодействия с этой платформой обмена сообщениями. Корпоративные продукты Ripple, включая RippleNet и связанное с ним платёжное программное обеспечение, поддерживают стандарт ISO 20022, что позволяет финансовым учреждениям использовать их сеть для обмена сообщениями в этом формате.

Это различие крайне важно, поскольку оно отделяет токен XRP от более широкой программной инфраструктуры Ripple. Vet повторил это в последующем комментарии после того, как другой пользователь предположил, что слово «совместимый» было бы более уместным.

Он согласился , что XRP, как и любая другая система, может технически взаимодействовать с сетями на базе ISO 20022 «при наличии соответствующего программного обеспечения». В качестве иллюстрации он поделился ещё одним постом, в котором пояснил, что часть программного обеспечения Ripple соответствует ISO 20022; однако оно не имеет отношения к XRP.

Совместимость с ISO 20022

ISO 20022 — это глобальный стандарт обмена финансовой информацией, разработанный для обеспечения согласованности действий банков и финансовых учреждений по всему миру. Он определяет структуру и передачу сообщений, таких как платежи или инструкции по ценным бумагам.

Эта структура применяется к системам, которые управляют этой информацией или отправляют её, а не к самим валютам или цифровым активам. Криптовалюты работают независимо от протоколов ISO 20022. Для их соответствия им потребуется интеграция на уровне системы или программного обеспечения, а не через токен блокчейна.

В случае Ripple интеграция стандарта ISO 20022 в корпоративные продукты компании позволяет учреждениям, использующим RippleNet, соответствовать переходу финансовой отрасли на новый стандарт, но это не распространяется на реестр XRP или актив XRP.

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