CBPR+ is the SWIFT Payments Market Practice Group usage-guidelines profile for cross-border MX flows. Where ISO 20022 defines the *grammar*, CBPR+ defines the *style guide* — which optional fields are mandatory in the cross-border context, which structured-address rules apply, which character set is permitted (Latin only, no accented characters in many fields).
CBPR+ pins pain.001.001.09 for the customer-bank credit transfer message, pacs.008.001.08 for the FI-to-FI flow, and pacs.002.001.10 for status reports. The structured-address enforcement is the most visible customer-side CBPR+ rule and the principal forcing function for the Nov 14, 2026 cutover.
A CBPR+ profile is the right starting point for any non-domestic ISO 20022 work — even for rails that have their own overlays (SEPA, US Fedwire ISO 20022 migration). The per-bank rule packs in iso-compliant are conceptually overlays on top of CBPR+ + the bank's own corporate-channel implementation guide.