ISO 20022 is replacing SWIFT MT messages globally. FedNow, TARGET2, and SEPA are all mid-migration. Financial institutions are processing these messages and logging them internally — but a log entry is a claim, not proof. 20022Validator issues SHA-384 hashed, Merkle-committed, RS256 signed JWS receipts for ISO 20022 JSON messages. Zero retention — the message is never stored. The receipt is independently verifiable against a published public key at any time using jwt.io or token.dev. Supported message types: pain.001, pain.002, pain.008, camt.052, camt.053, camt.054, pacs.002, pacs.003, pacs.008, pacs.009 and more. The core argument: an ISO 20022 message without independent validation is just a file. A cryptographically signed receipt is evidence. White paper: https://drive.google.com/file/d/1ge9cukaYM2sQzJYmDQHNL3Zp0sa...