The Silent Financial Reset: What ISO 20022 Really Means
The Silent Financial Reset: What ISO 20022 Really Means
Miles Harris: 7-6-2025
A new financial language is being adopted across the globe. It is silent, technical, and largely unnoticed by the public. Yet it is shaping the future of money itself.
That language is ISO 20022.
It is not a policy or a treaty. It is a structural shift that enables central banks, sovereign states, and financial institutions to redesign how value moves.
The standard was first designed in the early 2000s by the International Organization for Standardization. It was tested over the following years across pilot infrastructures and selected payment systems.
By 2004, it was formally introduced. Its adoption was initially limited, but its potential became clear as financial systems evolved.
Now, two decades later, ISO 20022 is becoming the global backbone for digital value exchange.
00:00 The Silent Code Reshaping Global Finance
01:23 Two Directions; One Pipeline
02:04 Who Really Controls the Pipes?
02:58 CBDCs: The Power Tool ISO 20022 Was Built For?
04:10 Escaping the Dollar without leaving the system
05:08 Metadata: The Surveillance Layer No One Voted For
06:00 Money With Rules: When Policy Becomes Code
06:45 One Standard, Many Flags