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Matsalar#
Bankuna suna ƙin fayilolin biyan kuɗi da ba su da tsari. Kowace ƙi tana kashe zagayen gyara guda; gyaran da ya rasa lokacin rufewa na ranar yana kashe ranar sasantawa guda. Ana iya sanin dalilan ƙin tun da wuri, saboda haka ana iya rigakafinsu.
Wa'adin#
An ɗage, ba a soke ba. A watan Agusta 2026 Swift ta ɗage dokar da ke ƙin biyan kuɗi na tsakanin ƙasashe (CBPR+) masu adireshi marasa tsari gaba ɗaya, da sauyawa daga MT101 na tsakanin bankuna zuwa ISO 20022 pain.001 sigar 9. Sabon lokaci zai zo kafin ƙarshen Disamba 2026. Haɗarin yana cikin bayanan asali na abokan ciniki har yanzu, kuma ranakun da aka riga aka sanya suna nan: Yuni 2027 (bincike), Nuwamba 2027 (lambobin manufar CHAPS), Nuwamba 2028 (bayanan asusu na MT). Majiya: Swift da bankunan tsakiya, an ambata cikakke a pain001.com/2026-iso20022-migration-trends.
Abin da Pain001 ke yi#
Tarin buɗaɗɗen tushe da ke mai da bayanan da ake da su (maƙunsar bayanai, fitarwar ERP, tsofaffin fayilolin SWIFT) zuwa fayilolin biyan kuɗi na ISO 20022 da bankuna ke karɓa, kuma yana tabbatar da kowane fayil bisa ƙa'idar hukuma ta banki (ISO 20022 XSD) kafin mikawa. Yana gudana gaba ɗaya a kan na'urorinku: babu ɗorawa, babu gajimaren mai sayarwa, babu telemetry.
Kuɗinsa#
Babu komai, a kowane girma, ƙarƙashin lasisoshin buɗe (Apache-2.0 / MIT). Misalin kasuwanci: an lissafa SDK na fassara na SWIFT a fili kan €10,000–30,000 a kowace shekara.
Ana bayar da tallafi, layin LTS da aikin bayanan sirri bisa jagorar bankinku dabam, ba tare da canza lasisin ba: shafin kamfanoni.
Shaidar#
Jerin abubuwan dogaro da aka wallafa (SBOM) · lamba mai kashi 100% na rufe rassa a matsayin ƙofar CI · sarƙar samarwa da ƙungiya mai zaman kanta ta tantance (OpenSSF Scorecard) · takardu masu sauƙin isa na WCAG 2.2 AAA · manufar tsaro mai bayyanawa a sirrance. Duk ana iya tabbatar da su a pain001.com.
Roƙon#
Ku sa ƙungiyar injiniyoyin biyan kuɗinku su gudanar da gwajin daƙiƙa 60 a pain001.com/try. Yana tantance rukunin samfuri kuma yana tabbatar da shi bisa tsarin hukuma na ISO 20022, a cikin burauza, ba tare da ɗora komai ba. Idan ya tsaya daram, jagorar shigarwa tana ɗaukar 'yan mintuna.