Binds an ACP / Visa TAP / ISO 20022 checkout or remittance to a TIP-20 Tempo transfer. Maps the 32-byte Tempo memo to ISO 20022 remittance_information, sender/receiver to debtor/creditor, and normalizes an on-chain Tempo tx into the AP2 artifact envelope. This is the canonical OCG v0.3 pacs.008-subset tool — the crosswalk is the entire value. Tempo MPP (HTTP 402) live March 2026; Kraken US CEX custody June 2026; Flutterwave Africa stablecoin settlements June 2026.