Miles Harris: The Silent Financial Reset, What ISO 20022 Really means

A new financial language is emerging across the globe, transforming the way value is exchanged. This language is ISO 20022, a standard that enables central banks, sovereign states, and financial institutions to redesign how value moves. It is silent, technical, and largely unnoticed by the public. However, it is shaping the future of money itself. The International Organization for Standardization (ISO) first designed ISO 20022 in the early 2000s. After years of testing across pilot infrastructures and selected payment systems, it was formally introduced in 2004. Initially, its adoption was limited, but as financial systems evolved, its potential became clear….