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FWIW, Swift (the company behind the interbank payment system) has been developing and pushing ISO 20012 as an XML-based long term replacement for their Swift message format, though it's not designed as a replacement for ACH.

For that, there was HBCI years ago (also XML); don't know if it's used much still.




If I remember correctly, HBCI is often used for consumer banking software to get account data from the bank.




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