Well apparently they’re using some schema called ISO 20022, and I saw references further down that this is a complicated beast, to be expected if ISO is involve

Well apparently they’re using some schema called ISO 20022, and I saw references further down that this is a complicated beast, to be expected if ISO is involved, but a cursory once over makes it appear to be the type of schema which whether easily or with the forging fires of hell or somewhere in between makes it possible to incorporate other schemas such as ACH. Thank you for answering my questions, faster payments is something I think we can all get behind.