Top ISO 20022 Cryptos to Watch in 2025: Why XRP, Stellar, XDC & Algorand Lead the Pack

As the prices of several cryptocurrencies aligned with ISO 20022 goals fall, it may look like the market is crashing. But according to a crypto influencer, this is not a sign of failure; it is a hidden opportunity.

ISO 20022 is a common messaging format for financial systems. It uses clear, structured language (based on XML) so that banks and payment providers around the world can easily understand and share information. This helps make transactions more accurate and efficient.

ISO 20022 was launched in 2008. It is now replacing older systems like SWIFT, and its impact is reaching into crypto. Coins that follow this standard could be more easily adopted by banks and financial institutions. Notably, Bitcoin itself is not ISO 20022-compliant. It was not designed to follow financial messaging standards and mainly serves as a decentralized digital currency and store of value.

Which Are the ISO 20022 Compliant Coins? 

The world prepares to go fully live with ISO 20022 by 2025. Several top crypto projects are already aligned with ISO 20022 or working closely with partners who are aligned with them.

XRP (Ripple) leads with over 300 financial partners for fast global payments. XLM (Stellar) focuses on cross-border transactions and financial inclusion. XDC (XinFin) brings blockchain to trade finance, while Algorand (ALGO) offers a green, scalable solution, attracting institutional support. 

IOTA is building for the Internet of Things and machine-to-machine payments. And HBAR (Hedera), backed by major corporations, is designed for secure, regulated environments. 

QNT (Quant) also connects banks to blockchains through Overledger, with built-in ISO 20022 support. ADA (Cardano) is also exploring ISO 20022 compatibility, focusing on identity, compliance, and finance-related use cases. Together, these projects are paving way for the next generation of global finance.

Why This Dip Could Be a Golden Opportunity

These coins are designed to support the next-generation financial system. The recent drop in their prices is not a sign of failure, but it’s more like a “temporary discount”. While the real infrastructure is still being developed behind the scenes, this dip is likely just a distraction. For long-term investors, it could be a smart buying opportunity rather than something to fear.

ISO 20022 is set to bridge the gap between crypto and traditional finance by making transactions safer, faster, and more efficient.

For compliant projects, ISO 20022 brings better system compatibility, lower fraud risk, and stronger connections with global payment networks. As more countries adopt ISO 20022, cryptocurrencies aligned with the standard may see broader adoption and increased trust, particularly among institutions.