20022validator.com is the first independent cryptographic receipt authority for ISO 20022 financial messages. Submit a message. Receive a signed JWS receipt. Prove schema compliance and message integrity to any auditor — offline, forever.
SWIFT MT-MX mandatory migration: November 2025 · Federal Reserve FedNow live · ECB TARGET2 ISO 20022 mandatory · All financial institutions must demonstrate ISO 20022 compliance
Zero retention by architecture. Your message is processed, hashed, and immediately discarded. What remains is a portable signed receipt — verifiable forever, offline, against our published public key.
Submit your ISO 20022 message in JSON format. Supported: pain, camt, pacs message families. Transmitted over TLS, processed in-memory. No message data retained.
Accepts: ISO 20022 JSON · Document envelope required
Message type is automatically detected from the Document envelope. Schema structure is validated against ISO 20022 specifications. Message family and type name are recorded in the receipt.
Detects: pain.001, camt.053, pacs.008 + more
Every extracted message field is individually hashed using SHA-384. Field hashes become leaves of a binary Merkle tree, producing a single root hash — the immutable fingerprint of the message.
H_root = SHA-384(H_L ∥ H_R) → recursive
The full receipt payload — Merkle root, message type, timestamp, compliance metadata — is signed with RS256 producing a JWS in compact serialization. Message is immediately discarded.
JWS = RS256(header.payload.signature)
You receive a compact JWS receipt. Verify it offline at any time against our published public key. Present to regulators, auditors, or counterparties as cryptographic proof of ISO 20022 compliance.
Verify: RS256 pubkey · offline · no dependency
Upload or paste your ISO 20022 JSON message below. Enter your access code from your purchase. Receive a signed cryptographic receipt instantly.
One-time packs for immediate use. Monthly plans for ongoing ISO 20022 compliance programs. All receipts are portable JWS verifiable offline.
Protocol provenance is blockchain-anchored and independently auditable. U.S. Provisional Patent filed April 8, 2026.