2025-12-11 14:57:39

When it comes to financial messaging standards, ISO 20022 is a heavyweight. This set of standards developed by the International Organization for Standardization (ISO) is used by established institutions like SWIFT, and it supports a much richer set of financial data than older standards, effectively building a bridge between the crypto world and traditional finance.

Currently, many cryptocurrencies have aligned with this standard — not only mainstream ones like XRP, ADA, LINK, HBAR, and XLM, but also others like ALGO, QNT, XDC, IOTA, and more. What does this mean? It means that these projects can now seamlessly connect with traditional banking systems in scenarios such as cross-border payments and institutional settlements.

XRP0.19%

ADA-2.4%

HBAR-2.79%

XLM-1.46%

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MeaninglessApe

· 12-12 02:27

No matter how high the pile of money gets, it still has to pass the SWIFT hurdle. Now I understand why those institutional traders are silently accumulating XRP.

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HashBandit

· 12-11 15:27

ngl ISO 20022 adoption is lowkey the biggest thing nobody's talking about... back in my mining days we were just hoping crypto wouldn't get banned, now these projects are literally integrating with SWIFT lmao. XRP pumping for a reason fr

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TopBuyerForever

· 12-11 15:27

Speaking of ISO 20022, it's indeed quite significant, but can XRP really seamlessly integrate into banking systems? I haven't seen any actual implementations yet.

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BoredWatcher

· 12-11 15:25

Oh wow, this just got interesting. It seems that ISO20022 is truly a watershed moment. --- XRP has been planning this for a while, and it now seems it’s not without reason. --- Wait, QNT is also aligned? It feels like this wave is the real institutional-level player. --- Seamless integration with banking systems sounds great, but we still need to see real implementation. --- Basically, whoever gets the benefits first will profit. The competition is just beginning. --- SWIFT has even changed its standards. This trend is indeed the inevitable future. --- It feels like just another excuse for a shakeout. Let me first enjoy some popcorn. --- Technical integration ≠ real application, there’s still a long way to go. --- Now traditional finance and crypto are really going to merge. I’m a bit excited.

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MerkleDreamer

· 12-11 15:22

ISO20022 this wave is indeed not just a gimmick, but the true implementation still depends on when institutions are willing to pay. XRP and these projects have been laying out plans for a while; their compliance-first strategy still has some merit. The problem is that standard alignment does not necessarily mean it can really be used; the banking systems on the other side are another matter. I'm optimistic about institutional settlement, but cross-border payments still require approval from various central banks. No one can predict how long the compliance narrative for NGL can be promoted.

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just_another_fish

· 12-11 15:13

Well, it's really coming now, can't wait any longer.

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ApyWhisperer

· 12-11 15:02

ISO 20022 is indeed tough this time; SWIFT has to follow suit. However, to be honest, the XRP team has been hyping this for several years. Can it still connect to the banking system now? It feels like just talk on paper.

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MemeEchoer

· 12-11 15:00

ISO 20022 is really impressive this time. It feels like mainstream coins are all competing for position. The era of integration with traditional finance has truly arrived.

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