"lets payers add encrypted messages to transactions. It works with standard ERC-20 tokens and also supports gasless transactions using ERC-2612 and ERC-3009. Payers route transactions through Recibo to record their messages as function calldata."

"Financial institutions can include the standard ISO200022 payment messages, enabling functionalities that are similar to the SWIFT messaging network."

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"Financial institutions can include the standard ISO200022 payment messages, enabling functionalities that are similar to the SWIFT messaging network."  https://www.circle.com/blog/recibo-encrypted-messages-for-erc-20-transactions
