mx20022-runtime is a production-focused ISO 20022 payment orchestration runtime written in Rust.

It receives financial messages from inbound channels, executes deterministic participant pipelines, persists every transaction state transition, and emits outbound responses or routed deliveries.

mx20022-runtime is licensed under AGPL-3.0-only. Commercial licensing is available for organizations that need to use this software without AGPL obligations. Contact [email protected] for details.

The mx20022 core libraries (mx20022-model, mx20022-parse, mx20022-validate) remain separately licensed under Apache-2.0.

• Deterministic transaction lifecycle with auditable state transitions.
• Pluggable transport channels: HTTP, gRPC, TCP, Kafka, NATS, AMQP, file.
• Pluggable state stores: SQLite, Postgres, RocksDB.
• Built-in participant chain for schema, duplicate, routing, rules, and response handling.
• Admin plane (HTTP + gRPC), metrics, correlation, and runtime reload controls.

cargo build --workspace
cargo run -p mx20022-cli -- config validate docs/examples/quickstart.toml
cargo run -p mx20022-runtime -- --config docs/examples/quickstart.toml --serve-admin

Then follow the end-to-end pacs.008 walk-through in docs/QUICKSTART.md.

• Baseline secure-ish local config: docs/examples/basic.toml
• FedNow-style gateway profile: docs/examples/fednow-gateway.toml
• MT-to-MX bridge profile: docs/examples/mt-to-mx-bridge.toml
• Fast local onboarding config: docs/examples/quickstart.toml

• docs/QUICKSTART.md: clone to first pacs.008 processing.
• docs/OPERATIONS.md: runbook, health checks, observability, incident flow.
• docs/PARTICIPANT_GUIDE.md: participant design, registration, testing.
• architecture.md: full architecture and crate boundaries.
• docs/ARCHITECTURE.md: condensed architecture summary.

A draft enterprise licensing framework is documented in COMMERCIAL_LICENSE.md. For commercial terms, contact [email protected].

All external contributors must sign the Individual CLA before contributions can be merged. See docs/legal/ICLA.md and CONTRIBUTING.md.

• Runtime code in this repository: AGPL-3.0-only (LICENSE)
• mx20022 core library crates consumed by this runtime: Apache-2.0 (separate upstream project/repository)