GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PUBLIC ROADMAP / CHECKED 2026-07-20

What Payments Signal is building

The roadmap is ordered by learner and implementation value. Now, Next, and Later describe sequence—not promised delivery dates.

NOW

Now

Capabilities already delivered and verified in the current release line.

SHIPPED

Official implementation-resource registry

Versioned XSD, rulebook, guideline, access, and ownership metadata beside the messages they govern.

SHIPPED

Downloadable teaching samples

Raw XML and FIN files generated from the canonical annotated examples, with honest validation labels.

SHIPPED

Positive, exception, and MT lifecycle packs

Ordered ZIP packs with a manifest, exact namespaces, fictional-data notice, and implementation caveats.

SHIPPED

Scheme and market-infrastructure expansion

CBPR+, SEPA SCT, SCT Inst, SDD, VoP, high-value, correspondent-banking, and reporting resources mapped to messages, flows, mappings, and topics.

SHIPPED

Mappings, test packs, and BA checklists

Downloadable MT↔MX mapping tables, positive and negative tests, field matrices, acceptance criteria, migration notes, and profile ZIP packs.

SHIPPED

Version and supersession tracking

Visible version history plus a Monday snapshot process that opens standards changes for human review and never auto-merges them.

SHIPPED

Browser XSD feasibility prototype

A non-production Web Worker prototype with local-only files, pinned libxml2 WASM, package guards, separate validation stages, and a documented release gate.

SHIPPED

Deeper domestic-profile implementation assets

Separate T2, TIPS, CHAPS, Fedwire, and CHIPS packs with verified rules, test cases, BA artefacts, checksums, and explicit restricted-source gaps.

NEXT

Next

The next useful implementation assets after the core lifecycle is complete.

IN PROGRESS

Independent validator release review

A typed evidence matrix, production-host safeguard, synthetic fixtures, privacy-safe local review recorder, repeatable performance preflight, and fail-closed verifier are ready. Independent reviewers must still complete security, current-browser, accessibility, network-privacy, and browser-memory evidence before approval.

LATER

Later

Valuable work that must first clear security, rights, or technical feasibility gates.

RELEASE GATED

Private browser-only XSD validation

Engineering is complete behind a 404-by-default runtime gate. Independent security review and the Safari, Chrome, Firefox, and Edge compatibility matrix must clear before release.

RELEASE GATED

Profile-aware diagnostics

Engineering is complete: stage-separated results explain what supplied XSDs test and what remains outside XSD. It stays gated with the validator until independent review passes.