ISO 20022 is the international standard for financial messaging and data exchange. It is a set of standards developed by the International Organization for Standardization (ISO) to facilitate the exchange of structured financial information between financial institutions, businesses, and other stakeholders in the industry. ISO 20022 provides a common language and standardized format for financial messages, facilitating communication and data exchange between different systems and organizations. It identifies a wide range of financial messages, including payment instructions, securities settlement instructions, transaction confirmations, and more. This allows flexibility and adaptability, as the standard can be extended or customized to meet specific business needs without changing the underlying structure. It aims to improve interoperability, reduce implementation costs, and improve throughput (STP) rates, ultimately leading to more streamlined and efficient financial processes. Leading central banks, financial institutions, and industry organizations have encouraged and supported the adoption of ISO 20022. Many global messaging networks and payment systems, such as SWIFT, TARGET2, and CHIPS, have adopted or are in the process of adopting ISO 20022 for their messaging standards. Overall, ISO 20022 plays an important role in modernizing and harmonizing financial communications, supporting various aspects of the financial industry, including cross-border payments, securities trading, trade finance, etc. This lack of standardization often leads to interoperability issues, increased deployment costs, and manual intervention in message processing. On the other hand, blockchain and cryptos are here to stay. Sooner or later, we will see a transfer of wealth.