20022

ISO 20022 Native Blockchain

MAINNET LAUNCH Q3 2026

The Blockchainfor Real Assets.

20022Chain is the world's first blockchain built natively for ISO 20022 financial messaging. Purpose-designed for institutional tokenization of mining, real estate, gemstones, bonds, and private credit.

WHITEPAPER
20022
Chain ID
50K+
TPS
0.4 s
Block Time
Instant
Finality
128
Validators
Rust
Core
Architecture

12 Subsystems

Modular, independently upgradeable. Each designed, tested, and governed separately.

50K+ TPS

Parallel Execution

Multi-threaded tx processing across 64 cores with conflict detection.

0.4 s

ArchPoS Consensus

128 validators, VRF selection, instant single-slot finality.

8 types

ISO 20022 Messages

Native financial messaging β€” direct SWIFT/bank integration.

100K queue

DAG Mempool

Graph-based ordering. Parallel transaction paths.

90% lighter

Verkle Trees

~150 bytes proofs. Mobile light clients verify state.

Privacy

ZK-SNARKs

Balance proofs, KYC, investor status β€” zero data exposure.

5 chains

Cross-Chain Bridge

ETH, BNB, Polygon, Cosmos, Polkadot with lock verification.

DAO

On-Chain Governance

Token-weighted voting, 48h timelock, treasury control.

8,247+

ISIN Registry

ISO 6166 securities IDs β€” NYSE/EURONEXT compatible.

ERC-4337

Account Abstraction

Multi-sig, social recovery, session keys, gas sponsorship.

365-day

State Expiry

Auto pruning. Archival nodes preserve full history.

EIP-4844

Danksharding

Blob data availability. L2 costs reduced 100x.

Human-Readable Identifiers

Native Address System

Every address encodes its type, name, and hash. No hex confusion β€” instantly readable and color-coded.

archt : type : name : hash
─────   ────   ────   ────
  β”‚       β”‚      β”‚      └── 24-char hex unique identifier
  β”‚       β”‚      └── Human-readable name (up to 24 chars)
  β”‚       └── Category (contract, val, bank, owner...)
  └── Network prefix (always "archt")
contract

Smart contracts, tokens, escrow

archt:contract:oro-verde-gold-token:a2693d35
val

Block producer validators

archt:val:zurich-prime:8f2a1b3c
bank

Banking, SWIFT, CBDC

archt:bank:usd20022:a1b2c3d4
owner

Asset originators

archt:owner:oro-verde-sa:5a7b9c3d
wallet

HD wallet addresses

archt:wallet:sandbox-lq2x8:7b3e
system

Protocol operations

archt:system:fee-collector:0000

Deployed Contracts

Oro Verde Gold Token

NI 43-101 verified gold reserves, Antioquia, Colombia

MINE
archt:contract:oro-verde-gold-token:a2693d3520695a7af3bd6931
92

Manhattan Tower REIT

Class A commercial, Midtown NYC. SEC Reg D

REAL
archt:contract:manhattan-tower-reit:7f3b2c1d4e5a6890
92

Green Energy Bond 2030

4.2% APY green bond, solar/wind EU

BOND
archt:contract:green-energy-bond-203:9c8d7e6f5a4b3210
94

Colombian Emerald Trust

GIA certified Muzo mine, vaulted Zurich

GEM
archt:contract:colombian-emerald-tru:4a5b6c7d8e9f0123
98

NeuralForge Protocol

Open-source AI training protocol

TOKEN
archt:contract:neuralforge-protocol-t:b3c4d5e6f7a89012
98

Digital Peso MX

Banco de MΓ©xico CBDC, 1:1 fiat parity

CBDC
archt:contract:digital-peso-mx:d5e6f7a8b9c01234
93

LegalChain Escrow

Bar-certified cross-border escrow

CUSTOM
archt:contract:legalchain-escrow:e6f7a8b9c0d12345
94

ARCHT Governance

Weighted voting, timelock, treasury

GOV
archt:contract:archt-governance:f7a8b9c0d1e23456
97

Validator Network

Zurich Prime

Europe

archt:val:zurich-prime:8f2a1b3c4d5e6f70

Singapore Nexus

Asia-Pacific

archt:val:singapore-nexus:1a2b3c4d5e6f7890

New York Sentinel

North America

archt:val:new-york-sentinel:2b3c4d5e6f789012

Dubai Gateway

Middle East

archt:val:dubai-gateway:3c4d5e6f78901234

SΓ£o Paulo Anchor

South America

archt:val:sao-paulo-anchor:4d5e6f7890123456

Tokyo Relay

Asia-Pacific

archt:val:tokyo-relay:5e6f789012345678

London Bridge

Europe

archt:val:london-bridge:6f78901234567890

Sydney Core

Oceania

archt:val:sydney-core:7890123456789abc

Banking & SWIFT

US

USD

MAJOR
archt:bank:usd20022:a1b2c3d4e5f60001
EU

EUR

MAJOR
archt:bank:eur20022:a1b2c3d4e5f60002
GB

GBP

MAJOR
archt:bank:gbp20022:a1b2c3d4e5f60003
JP

JPY

MAJOR
archt:bank:jpy20022:a1b2c3d4e5f60004
CH

CHF

MAJOR
archt:bank:chf20022:a1b2c3d4e5f60005
AE

AED

MAJOR
archt:bank:aed20022:a1b2c3d4e5f60020
MX

MXN

MINOR
archt:bank:mxn20022:a1b2c3d4e5f60009
BR

BRL

MINOR
archt:bank:brl20022:a1b2c3d4e5f60010
CO

COP

MINOR
archt:bank:cop20022:a1b2c3d4e5f60011
US

USDC

STABLE
archt:bank:usdc20022:a1b2c3d4e5f60030
US

USDT

STABLE
archt:bank:usdt20022:a1b2c3d4e5f60031
Financial Instruments

ISIN & ViewsRight

Institutional securities and intellectual property β€” tokenized with ISO 20022 compliance.

CH0012345678

Alpine Fund VII

Private Equity

97
US912810TA43

US Treasury Token

Treasury Bond

95
ARCHT00010

Lithium Battery Fund

Capital Markets

99
ARCHT00011

Carbon Credit Token

Carbon Markets

99
Indie Film DAOFILM
VR-2025-FILM-0001

Community-funded cinema. Token holders govern creative decisions and earn box office revenue.

Ava Solaris Royalty TokenMUSIC
VR-2025-MUS-0001

Quarterly streaming royalties from "Neon Horizons". WIPO registered.

NexGen AI PatentPATENT
VR-2025-0002

PCT international filing across 148 jurisdictions. Licensing distribution.

Fractal Earth SeriesART
VR-2025-0003

Generative art from geological data. 50 pieces. 7.5% creator royalty.

Cross-Chain Bridge

Ethereum
Active
BNB Chain
Active
Polygon
Active
Cosmos
Q4 2026
Polkadot
Q4 2026

ZK-SNARKs

Balance proofs, KYC, accredited investor β€” zero data exposure.

Governance

7-day proposals, 10% quorum, 48h timelock. Community treasury.

Account Infrastructure

Wallet System & API

Six wallet types from personal to institutional. 30+ REST endpoints.

Standard Wallet

HD (BIP-39/44), mnemonic backup, hardware wallet support.

Private keyMnemonicLedger/TrezorAll tokens

Multi-Signature

M-of-N threshold for institutional treasuries and DAOs.

ThresholdRole-basedTimelockAudit trail

Social Recovery

Guardian-based key recovery. No single point of failure.

5 guardians3-of-548h delayRotation

Session Key

Time-limited, scope-limited dApp permissions.

Time capSpend capPer-contractAuto-revoke

Institutional

Enterprise RBAC, HSM, compliance monitoring.

Admin/TraderHSM keysComplianceCold/Hot

Smart Contract

Programmable: auto-stake, DCA, conditional transfers.

Auto rulesGas sponsorDCAConditional

Developer API

30+ REST endpoints Β· JSON-RPC Β· WebSocket

Blockchain
/api/chain
/api/blocks
/api/transactions
/api/stats
/api/validators
Wallets
/api/wallets
/api/balance
/api/nonce
/api/faucet
Assets
/api/isin
/api/contracts
/api/tokenize
/api/por
DeFi
/api/defi
/api/staking
/api/oracle
/api/nft
Network
/api/bridge
/api/swift
/api/governance
/api/network
Settlement Layer

ARCHT Ecosystem

20022Chain settles $5T+ in tokenized mineral reserves across 1,000+ mining operations.

$5T+
Mineral Reserves

1,000+ mining operations tokenized on ARCHT

6
Asset Modules

Mining, Earths, Gemstones, Real Estate, Bonds, Credit

47+
Countries

Global multi-jurisdictional compliance

Timeline

Roadmap 2026–2028

Q1 2026

Foundation

Testnet launch
Validator onboarding
Developer SDK
Q2 2026

Audit

3 security audits
Bridge stress tests
ISIN population
Q3 2026

Mainnet

PUBLIC LAUNCH
ARCHT integration
200 assets live
Q4 2026

Multi-Chain

Cosmos IBC
Polkadot XCMP
150+ Rare Earths
2027

Scale

Danksharding
200+ validators
AMM DEX on-chain
2028

Global

100K+ TPS
Banking API
Sovereign partners
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