EASE Protocol Launches ISO 20022-Compliant Smart Contracts on Testnet For Cross-Chain Banking Automation

The EASE Protocol has launched what it claims is the first functional integration of the ISO 20022 financial messaging standard directly into blockchain smart contracts, opening new pathways for cross-chain banking automation and regulatory-compliant settlement across blockchain ecosystems.

The integration, now live on the EASE testnet, allows banks to trial ISO 20022-based workflows in a blockchain environment. The messaging format, which is being adopted globally to replace SWIFT standards, is designed for structured and standardized financial communications.

EASE's implementation enables banks to automate settlements, messaging, and smart contract actions across Ethereum-compatible chains using the ISO 20022 framework.

"This is the bridge that traditional finance needs to begin leveraging blockchain in a way that's fully compliant and automated," said Douglas Horn, CEO and architect of EASE Protocol. "At last, banks have a technical foundation for smart contracts aligned with the industry's official messaging format."

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The protocol uses its Atomic Intermediate Token (AIT) and a wrapped AIT (wAIT) token to facilitate cross-chain operations.

These tokens are issued and recorded via smart contracts that document every transaction in ISO 20022-compliant format. The current bridge works with Ethereum, Polygon and Binance Smart Chain, with Solana support planned.

Future releases will include advanced cross-chain bridges that transmit ISO 20022 actions, not just token transfers, via mathematical proof-based architecture, enabling financial institutions to execute regulated, ISO-formatted actions across distinct ecosystems.

This could include anything from payment settlements to contractually-triggered responses within banking networks.

Horn emphasized that this implementation delivers on blockchain's long-touted potential to modernize banking systems. "With this integration, the friction between legacy infrastructure and blockchain starts to disappear."

The technical specifications are detailed in the EASE Protocol whitepaper, and the team says the trial phase will allow institutions to evaluate real-world ISO 20022 messaging on decentralized rails.

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