AWAKE IN 3D
Knowledge vs. Wisdom in the RV/GCR Landscape
There’s an old saying: “Knowledge is knowing that a tomato is a fruit.Wisdom is knowing not to put it in a fruit salad.”
The same applies to understanding global financial systems—knowing the facts is one thing, but applying them wisely is another.
Take SWIFT, for example. Many believe it’s a payment system, but in reality, it’s just a messaging network that allows banks to communicate about transactions—it doesn’t move money.
Yet, some still claim SWIFT controls global payments, missing the bigger picture.
Here’s an example to clarify: if a friend wanted to borrow money from me, we would first agree on the amount and how I would send it. He’d tell me where to send the money, and I’d tell him where I’m sending it from—so we’re both clear on how the transfer would happen.
But I would still have to log into my bank and execute the transfer. SWIFT does the part where my friend and I exchange details about the transfer—but it does NOT move the money itself. The actual transfer is a completely separate activity.
Founded in 1973, SWIFT was never designed for modern finance. Over time, patchwork fixes created a slow, expensive system full of intermediaries, where cross-border payments can take days and cost up to 6.3% in fees.
But here’s where wisdom comes in: understanding why this outdated system persists and what could replace it.
The ISO 20022 messaging protocol upgrade is a key part of modernizing financial fund transfer systems. It standardizes communication across global financial institutions, making messaging more structured, data-rich, and efficient.
This upgrade will improve transparency, reduce errors, and speed up transaction settlement—but it still doesn’t move the money itself.
Beyond that, blockchain-based solutions like stablecoins have the potential to eliminate the friction entirely, making cross-border transactions as seamless as sending an email.
My purpose here on Telegram is to inform, educate, and clarify RV/GCR information—separating fact from fiction and illuminating the distinction between knowledge and wisdom.
Because knowing the facts isn’t enough… it’s about seeing what they really mean for the future.