Does ISO20022 use XML?

Yes, ISO20022 uses XML (eXtensible Markup Language) as its primary message format. All ISO20022 messages are structured XML documents that follow specific schemas defined by the ISO20022 standard.

XML was chosen because it's:

  • Human-readable while being machine-processable
  • Highly structured and validated
  • Widely supported across different platforms and programming languages
  • Extensible to accommodate future needs

While the messages are in XML format, you can use libraries like iso20022.js to work with these messages without dealing directly with XML.

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