Truncation
MT fields are shorter than the matching MX elements. Part of the content does not survive the conversion. Neither sender nor receiver sees that it was lost.
ODG-PASS
Gateway
ODG-PASS · ISO 20022
Complete data — from the sender to the release.
The terminal sits with the sender. The gateway sits in the bank’s contour. Two install places, one product, not one network. MT and ISO 20022 for the transition. Data is checked where it can still be fixed. The bank’s core accounting system is not changed.
Library and rules, not a generative model.
sender → beneficiary · structure on the wire
on the wire
Client
Dbtr ACME TRADING
purp “goods”
⚠ unstructured address
Structure check · library + rules
✓Structure · fields
✓Purpose · ISO code
Sender bank
pacs.008
Purp GDDS
addr town / country
gateway valve
MT ⇄ MX
sender contour
Network
pacs.008
The bank sends with its own means
Receiver
pacs.008
payee beneficiary
gateway valve
MX ⇄ MT
receiver contour
CLEAN pacs.008
From a local check in the client terminal to processing on the bank operations desk — without changing the core accounting system.
What is lost
Four places data is lost — the same on any translator
Addresses
Data is stored as a line. The network needs street, building, post code, town, country as fields. A translator cannot invent a structured address from unstructured text — the elements are not there.
Purpose codes
The network and many correspondents require an ISO purpose code. MT has no separate field for it. Free text in the old style is not a code.
Silence on the chain
A missing status, cover, or reply is often not tracked. Delay is learned from the client.
Two install places
Sender and bank — one product
Payer
Client terminal
The client terminal puts the payment in order on your side, before it goes to the bank. You see which field will fail — then you send. Structured data goes by keys when connected, or as pain.001 as a file. The bank forms pacs.008.
Bank
Bank gateway
The gateway is installed in the bank’s contour. It unpacks what still arrives as MT, forms outbound pacs.008 in full, and if a correspondent still takes MT — shows the losses before send. The operations desk is a human decision, not a silent rewrite.
ODG-PASS prepares and checks messages. The bank executes the payments. Compliance, sanctions screening, and regulator reporting stay with the bank.
Choose a path
Where to go next
Contact
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