Stateless ISO 20022 Validator Layer

Mission

Reduce counterparty risk in Web3 by making wallet behavior explainable and audit-ready. Our stateless validators act as a compliance checkpoint between wallets and institutions.

Vision

Become the most accessible compliance & validation layer for Web3 — simple public APIs for builders, ISO-aligned exports for enterprises, and transparency for regulators.

Not a Payment Rail. Not Consensus.

We do not move funds, settle payments, or run network consensus. We analyze public-chain activity and produce compliance artifacts that existing systems can understand.

Why Banks & Blockchains Need This

Blockchains speak hashes and RPC; banks speak ISO 20022 XML. Without a neutral validation/export layer, due diligence is slow and costly. We bridge the formats so screening can happen before exposure.

Stateless Read-only ISO-aligned

What We Export

We map wallet observations into ISO 20022 structures (e.g., pain.001 for customer credit transfer initiation; pacs.008 for FI-to-FI credit transfer). These are used by banks, PSPs, and auditors worldwide.

Sample (pain.001 excerpt)

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>CG-ISO-20250927</MsgId>
      <CreDtTm>2025-09-27T12:00:00Z</CreDtTm>
    </GrpHdr>
    <PmtInf>
      <DbtrAcct><Id><Othr><Id>r... or 0x...</Id></Othr></Id></DbtrAcct>
      <CdtTrfTxInf>
        <Amt><InstdAmt Ccy="N/A">0.00</InstdAmt></Amt>
        <RmtInf><Ustrd>Wallet validation report + risk score</Ustrd></RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

Note: We generate compliance reports; we do not initiate payments.

PX Risk Engine — Flow Overview

Everything runs statelessly. No keys, no PII, no custody.

CryptoGuard (Multi-Chain)

Wallet validation, AI risk score, ISO export prototype. Designed as the general-purpose validator.

Live • GitHub

ProetorX — XRPL

XRPL-focused validator with payment-centric heuristics and explainable flags.

Live • GitHub

HGuard — Hedera

Hedera validator (0.0.xxxx) using Mirror Node, with ISO export and scoring basics.

Live • GitHub

GuardianX — Kadena

Chainweb-aware validator prototype with read-only heuristics and export module.

Live • GitHub

zkOrigo

Exploratory zk proofs playground for privacy-preserving attestations.

Live • GitHub

Security Principles

• Stateless by design — no private keys, seeds, or PII stored.
• TLS 1.3 enforced by platform; HSTS and strict security headers.
• Rate limiting, circuit breakers, and graceful API fallbacks.
• Static analysis & dependency checks; CWE-aware fixes.
• GDPR/PDPA conscious — read-only public data only.

Compliance Outputs

ISO 20022-aligned XML (pain.001; pacs.008 planned) to support audit workflows for enterprises and regulators. Reports are informational and do not initiate payments.

We welcome third-party security reviews as scope stabilizes.

Connecting Banking Systems with Blockchain

A research paper authored under ADCX Lab, exploring how ISO 20022 financial messaging standards can bridge traditional banking systems with blockchain-based stateless validators.

• Focus: interoperability, audit frameworks, and validator architecture.
• Includes: ISO 20022 mapping (pain.001 / pacs.008) and compliance logic design.
• Published: October 2025 · Author: Muhammad Yusri Adib

View Full Paper (PDF)

Referenced in 7,000+ validations across the ADCX ecosystem.

Key Insights

The research highlights how stateless validation frameworks enhance compliance without requiring custody by:

• Using ephemeral data for privacy-preserving risk scoring.
• Exporting standardized ISO 20022 XML for audit traceability.
• Bridging regulatory readiness between Web3 and traditional finance.

Supports ADCX Lab’s long-term strategy for institutional and cross-chain adoption.

Validations

7,000+ wallet validations across demos (XRPL, Hedera, Kadena, multi-chain).

Early Recognition

Reviewed/engaged in multiple ecosystems; open pilots progressing. Focus on deliverables over announcements.

Open-Source

MIT-licensed repos; transparent docs and example ISO exports for auditors.

Who It’s For

• Wallets, dApps, or exchanges needing pre-transaction checks.
• Fintechs/PSPs needing ISO-aligned audit artifacts from on-chain data.
• Enterprises exploring RWA tokenization with bank-readable reports.
• Auditors/regulators seeking explainable wallet evidence.

Engagement Options

• Sandbox pilot: scoped endpoints, rate-limited access, sample ISO exports.
• Integration support: SDKs (JS/Py) and mapping guides.
• Co-dev: prioritize features for your compliance workflow.
• For VC/Grants: staged milestones tied to adoption and security reviews.

Start Enterprise Pilot (zkOrigoPlus)