MT
ArcelorMittal
stock NYSE ADR

When SWIFT drops MT messages in Nov 2025, ISO 20022 becomes the global standard; great for messaging, but settlement remains slow.
That’s where XRP fits: real-time, on-demand liquidity without pre-funded accounts.Messaging is evolving.. XRP solves the settlement lag that still follows.

PLTR, GME, ZIM, and MT were the best. Worst were BB and PSTH. I really wish I’d bought more PLTR and held GME longer.

Isn't it a very different type of holding? What problem are you trying to solve?

Will you regret it if you do catch the falling knife... If you're willing to hold the underlying should you be "put" the stock i don't think the risk is very high as markets will always go up over time, but patience is key here. Options traders don't tend to be very patient.. ask me how i know :-)

But in an extreme draw-down situation won't you most likely be better off holding ST/MT UST bonds or cash rather than some index that is now worth \~50%(minus the premium) less than what you paid for it?
If you are trying to protect yourself i would suggest holding cash and ST/MT govt bills/notes and forget about it.
If your curious my ETFs of choice are VT and then XHLF, VGSH, and then some lower $ of VTIP and VGIT.

But ISO200022 is optional.
The old MT format will still be accepted and will coexist with ISO200022 format until Nov 2025.
People are making wild claims as to what the new format will do, but since it only affects bank to bank wire transfers there won't be any impact on stock trading or GME.
It is interesting to watch how memes like this propagate.

In November 2025, SWIFT, the Society for Worldwide Interbank Financial Telecommunication, plans to transition to the ISO 20022 standard.

This means the legacy MT (Message Type) formats will be retired, and the payments industry will officially begin using a globally shared language.

Old news, but good news.

As someone who's, in the Nordics, has worked on the MT to XML (XML files structures in accordance with ISO20022) can't really see why this would have an impact - in the short term at least.
They are changing from an old unstructured file format into a new structured one. It has benefits of course and more options for later use - but I don't see this as something related to $GME

TLDR summary:
It will increase transparency in the markets and shortens settlement dates
I asked “what is ISO 20022”
Chat said -
ISO 20022 is an international standard for electronic data interchange between financial institutions. It defines a common platform for developing financial messages (like payment instructions, securities trades, and bank statements) using a consistent messaging model and business processes.
Key Features of ISO 20022:
1. Rich Data Format (XML-based)
ISO 20022 messages use XML, allowing more structured and detailed data compared to older formats like SWIFT MT.
2. Global Standardization
It provides a universal messaging language across all financial services — payments, securities, trade, cards, and FX — reducing the need for translation between systems.
3. Improves Interoperability
Enables systems in different countries and institutions to communicate more effectively.
4. More Transparency
Richer data helps with fraud detection, compliance (AML/KYC), and faster reconciliation.
5. Modular and Extensible
The standard is flexible and can be adapted to future business and regulatory needs.
⸻
Use Cases:
• Payments (High-value and retail)
Used in SWIFT CBPR+ migration and domestic payment systems like FedNow and SEPA.
• Securities and trade
Standardizes transaction reporting and post-trade processes.
• Banking interfaces
Enhances customer-to-bank and bank-to-bank messaging.
⸻
Why It Matters:
• Many central banks and institutions worldwide are migrating to ISO 20022 (e.g., SWIFT by 2025).
• It’s a major step toward global financial infrastructure modernization.
• Adopting ISO 20022 helps institutions meet evolving regulatory, security, and efficiency expectations.
I asked “how does it affect short positions?”
Chat said -
ISO 20022 does not directly affect short positions in the stock market. However, it can have indirect impacts, especially in the broader context of transparency, settlement, and financial reporting, which can influence short selling activity. Here’s how:
⸻
🔍 1. Increased Transparency in Transactions
ISO 20022 enables richer, more detailed data in financial messages. This can:
• Improve visibility into ownership, lending, and settlement of securities.
• Make it easier for regulators and institutions to track who holds what, when, and how.
• Potentially reduce “naked short selling” or fails-to-deliver, because it becomes harder to obscure positions across systems.
Implication for shorts: Increased transparency may reduce room for abusive short selling or complex synthetic shorts that escape current reporting.
⸻
📊 2. Better Surveillance and Reporting
With standardized, structured data:
• Regulatory bodies (like the SEC or FINRA) can track short interest more accurately and in near real time.
• Enhanced reporting might lead to stricter oversight of large or unusual short positions.
Implication for shorts: Higher risk of enforcement actions or rule changes affecting large short players.
⸻
⏱️ 3. Faster & More Accurate Settlement
ISO 20022 improves post-trade processes by streamlining:
• Clearing and settlement (especially for T+1 or T+0 settlement initiatives).
• Corporate actions and securities lending notifications.
Implication for shorts: Short sellers rely on borrowing and timely delivery. Faster settlement can:
• Increase pressure on shorts to locate and deliver shares quickly.
• Expose flaws in mismatches or naked shorts during high volatility or squeezes.
⸻
💡 4. Enabling Better Data Analytics
The rich data structure allows AI, analytics, and compliance software to:
• Monitor short sale patterns and lending behavior across markets.
• Cross-reference with other transaction types (e.g., swaps, options, rehypothecation).
Implication for shorts: Harder to hide complex short exposure; more accurate risk modeling may discourage excessive shorting.
⸻
Let me know if you want an example of an ISO 20022 message or how it compares to older formats like SWIFT MT.
If you’re thinking in terms of GameStop (GME) or other heavily shorted stocks, ISO 20022 may support market reforms aimed at closing loopholes that were exploited during events like the 2021 short squeeze — but it is a plumbing-level change, not a direct policy shift.
Would you like to see how this might affect a hypothetical hedge fund with large short exposure or how it interacts with other systems like T+1 settlement?