Tool 81 · Core Infrastructure

ISO 20022
Migration Navigator

Five-stage compliance workflow for the SWIFT CBPR+ structured address requirement. Swift deferred it on 27 August 2026 under a controlled extension of Standards Release 2026, off its former 14 November 2026 date, and has published no replacement date; SR2025 rules apply meanwhile. Audit your MX payload for truncation risk → parse unstructured addresses to the mandatory PostalAddress schema → score rail options for structured-address readiness → model the liquidity impact of real-time settlement → export a board-ready ISO 20022 Readiness Memo with remediation checklist. Entirely client-side. Zero PII. No API calls.

⚠ Deadline deferred 5 Stages · Readiness Memo Export Address Parser · Rail Scoring v1.0

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · runs offline · CC BY 4.0.

Stage 1: Payload Audit

How to use this tool Work through all five stages in order. Each stage gates the next: complete the required actions to unlock the next stage. Stage 5 synthesises all prior inputs into a board-ready ISO 20022 Readiness Memo.

Message Type

Select your MX message format

Paste MX Message Payload

XML snippet (or load sample)

Originator Context

Institution type Primary corridor

📄

Awaiting payload

Paste an MX message XML snippet or load the sample payload, then click Audit Payload.

Stage 2: Address Structuring

New Module: No equivalent tool exists in the suite This heuristic JS parser converts unstructured postal address strings to the mandatory ISO 20022 PostalAddress schema (StrtNm / BldgNb / TwnNm / PstCd / Ctry). SWIFT CBPR+ will reject unstructured AdrLine fields once the structured-address requirement takes effect; Swift deferred it on 27 August 2026 and no new date is published.

Unstructured Address Input

Paste raw address string Country hint (improves parser accuracy)

Batch Mode

Parse multiple addresses (one per line)

📮

Awaiting address input

Enter an unstructured address string and select a country hint, then click Parse Address.

Stage 3: Rail Selection

Payment Direction

Primary Driver

Monthly Volume

Payment volume (transactions/month) Average transaction value (USD)

⇄

Awaiting rail scoring

Select payment direction and primary driver, then click Score Rails.

Stage 4: Liquidity Impact

Current Settlement Model

Current batch settlement cycle

Liquidity Parameters

Daily payment volume (USD millions) Average transaction size (USD) Cost of funds / capital (% per annum) Default: 5.25% (US Fed Funds proxy, May 2026) Prefunding window required (hours) Auto-set from Stage 3 rail recommendation. Adjust if known.

💧

Awaiting liquidity inputs

Configure your current settlement model and liquidity parameters, then click Model Liquidity Impact.

Stage 5: ISO 20022 Readiness Export

Your complete migration readiness assessment, synthesised from all prior stages. Review the scorecard, remediation checklist, and export the memo for board or compliance review.

Readiness Scorecard

⚠ SWIFT CBPR+ Deadline Status

Summary KPIs

Remediation Checklist

Risk Register

Risk	Severity	Mitigation

ISO 20022 Migration Readiness Memo

ISO 20022Migration Navigator

Stage 5: ISO 20022 Readiness Export

ISO 20022
Migration Navigator