Iso20022 Standard Cryptos - Cryptos that are Iso20022 compliant will be big plays in the future.

[Automaton Type 2B]

ISO 20022 compliance refers to a financial system, network, or platform adhering to the ISO 20022 standard, an international framework for electronic data interchange between financial institutions. Developed by the International Organization for Standardization (ISO), it’s a universal messaging protocol designed to standardize and streamline the exchange of financial information—like payments, securities transactions, and trade data—across diverse systems globally.
At its core, ISO 20022 provides a structured, flexible format for financial messages using XML (Extensible Markup Language) or similar syntax. Unlike older standards like SWIFT’s MT messages (e.g., MT103 for payments), which are rigid and limited in data capacity, ISO 20022 supports richer, more detailed data fields—think payment instructions, remittance info, customer details, and compliance data (e.g., anti-money laundering checks). It’s not a software or a network itself but a blueprint that systems can adopt to ensure interoperability, efficiency, and transparency.
For a system to be "ISO 20022 compliant," it must:

1. Adopt the Message Format: Use ISO 20022’s predefined message schemas (e.g., "pacs.008" for payment clearing) to structure data consistently.
2. Support Interoperability: Enable seamless communication with other compliant systems, like banks, payment processors, or central banks, without needing extensive translation layers.
3. Handle Rich Data: Accommodate the standard’s capacity for detailed metadata, such as full names, addresses, or transaction purposes, improving tracking and regulatory reporting.
4. Meet Implementation Specs: Align with deadlines or requirements set by adopting entities (e.g., SWIFT mandated ISO 20022 for cross-border payments by November 2025).

In the crypto context, compliance means a blockchain or token’s infrastructure can generate, process, or integrate with ISO 20022 messages, bridging decentralized networks with traditional finance. For example, Ripple (XRP) is compliant because its payment protocol supports ISO 20022 messaging, allowing banks to use it within SWIFT’s framework. Compliance isn’t a formal certification—there’s no "ISO 20022 badge"—but a practical capability confirmed by implementation and often announced by the project.
The standard’s adoption is growing, with major systems like SWIFT, Fedwire, and the EU’s TARGET2 transitioning to it (e.g., SWIFT’s deadline is November 2025, per their roadmap). It’s about future-proofing finance—making transactions faster, cheaper, and more transparent—though it’s not mandatory for all systems, and non-compliance doesn’t inherently limit a network’s functionality outside regulated finance.
In short, ISO 20022 compliance means a system speaks this global financial language fluently, enabling it to plug into the modern banking ecosystem with ease.


These are a list of compliant cryptos:

• Ripple (XRP)
  • XRP is widely acknowledged as ISO 20022 compliant. Ripple is an official member of the ISO 20022 Standards Body, and its payment protocol integrates the standard to facilitate fast, low-cost cross-border transactions, bridging crypto and fiat systems.
• Stellar Lumens (XLM)
  • Stellar is also a member of the ISO 20022 Standards Body. Its network uses the standard to enhance interoperability with banks and payment systems, focusing on cost-effective cross-border payments and financial inclusion.
• XDC Network (XDC)
  • XDC Network, built for trade finance and global payments, adopts ISO 20022 messaging to ensure compatibility with legacy financial systems, making it a strong contender in enterprise blockchain solutions.
• Algorand (ALGO)
  • Algorand’s scalable blockchain supports ISO 20022 compliance, allowing it to integrate with traditional finance for applications like decentralized finance (DeFi) and asset tokenization.
• IOTA (MIOTA)
  • IOTA’s Tangle technology aligns with ISO 20022 standards, enabling feeless microtransactions for the Internet of Things (IoT) and potential integration with financial systems.
• Hedera Hashgraph (HBAR)
  • Hedera uses ISO 20022 messaging to support enterprise-grade decentralized applications, enhancing its interoperability with traditional financial ecosystems.
• Quant (QNT)
  • Quant’s Overledger system facilitates blockchain interoperability and adopts ISO 20022 to connect disparate networks, including traditional finance, making it compliant.
• Cardano (ADA)
  • Cardano is often listed as ISO 20022 compliant due to its research-driven approach and focus on scalable, secure financial infrastructure, though its adoption is less explicitly documented than XRP or XLM.

 

[gagabobo1997]

crypto is for gambling and buying drugs not for turning into a gay and retarded version of traditional finance

 

[Automaton Type 2B]

 

[Automaton Type 2B]

crypto is for gambling and buying drugs not for turning into a gay and retarded version of traditional finance

That's where it's going.

 

[Harvey Danger]

That's where it's going.

Traditional finance is already there. Money is "printed" on a central bank spreadsheet, and transferred into secured databases in trusted banks. Those banks do database procedures for internal transfers, and procedures+export file for external transfers. The entire monetary system is a set of interconnected electronic ledgers, secured by vetted encryption and security protocols.

(Occasionally some rubes demand their government-approved electronic data in physical cash, but they're a rounding error in the larger scheme.)

Adding crypto doesn't change anything. Public ledgers are just another external interface. The provenance of the electronic data won't be a government, or maybe it will, or (most likely) the government will strictly regulate which flavors of data are approved. Existing financial institutions don't care where the data comes from, only that others will accept it in exchange.

Slapping an ISO standard on top of whatever token bribes the most politicians doesn't mean much. It's a technical step to facilitate exchange. The politicians will ultimately determine which ones get used. Those hand-picked winners will have to comply with whatever standards come with the government-approved pseudo-monopoly, but that's an effect, not a cause.

 

[libRT]

lol ISO standards.

 

[Automaton Type 2B]

Traditional finance is already there. Money is "printed" on a central bank spreadsheet, and transferred into secured databases in trusted banks. Those banks do database procedures for internal transfers, and procedures+export file for external transfers. The entire monetary system is a set of interconnected electronic ledgers, secured by vetted encryption and security protocols.

(Occasionally some rubes demand their government-approved electronic data in physical cash, but they're a rounding error in the larger scheme.)

Adding crypto doesn't change anything. Public ledgers are just another external interface. The provenance of the electronic data won't be a government, or maybe it will, or (most likely) the government will strictly regulate which flavors of data are approved. Existing financial institutions don't care where the data comes from, only that others will accept it in exchange.

Slapping an ISO standard on top of whatever token bribes the most politicians doesn't mean much. It's a technical step to facilitate exchange. The politicians will ultimately determine which ones get used. Those hand-picked winners will have to comply with whatever standards come with the government-approved pseudo-monopoly, but that's an effect, not a cause.

Various actors are predicting that the powers that be are wanting to move away from the boom bust cycles.

"Tokenization" is a word that keeps getting thrown around, stockmarket 2.0 they call it.

Are you bullish on crypto personally? I've had some good luck and took profits on a few alt-coins.

 

[Harvey Danger]

Are you bullish on crypto personally? I've had some good luck and took profits on a few alt-coins.

Crypto isn't an investment. Over 20 years, it did a speedrun of the process real world money took 3000 years to do: from commodity, to currency, to payment transfer mechanism, to investment, to casino chip. There are no fundamentals and no commodity value to crypto tokens. They are now pure gambling chips, with a residual side job as a niche payment transfer mechanism.

The best crypto token is Monero. Its price is boring, but it has strong obscuring mechanisms built into its transfer protocols. This is also the reason why it's the most banned crypto token in the world. This fact tells you everything you need to know about crypto's future in the real world.

Going back to ISO and official tokenization, my overall view of crypto hasn't changed. Crypto** has become the preferred government release valve for the financial recklessness governments need to fund their budgets. It is completely controllable at the exchange bottlenecks, and anyone squealing about miners and forking doesn't understand this basic truth. All the talk about official adoption hasn't been speculative; the regulation** was clearing the way. Centralized banks would love an excuse to drop non-national, completely virtual "money" into the currency basket for Special Drawing Rights, and it doesn't much matter which token wins that approval.

Spoiler: **a brief history of crypto

Crypto blockchain was an interesting, revolutionary idea; crypto currency was never going to fly in a world of tightly regulated, controlled, nationalized currencies. Cryptocurrency only got traction because blockchain was such a powerful idea, and served as the killer app for the platform until proper smart contracts were developed.

Once it became a serious contender as a financial asset, governments took clear steps to make sure it was controlled. They just looked like they were letting it grow unchecked, a PR stance necessary to encourage non-governmental "rebels" to develop on it. But anyone who paid attention saw KYC rules get slapped on everything, blockchain-sleuthing services ramp up to eliminate pseudo-privacy, and every privacy-enforcing token or service get prosecuted. The SEC has not been acting randomly or confusedly for the last decade.

The second crypto got adopted by the big banks, the smaller players should have understood the game. Instead, they celebrated the price juicing. I can't blame them too much, getting a windfall for your work is nice. But anyone claiming crypto wasn't on the road to being co-opted was either blind, or trying to sell you something.

"Bitcoin ETF" lol, lmao.

Spoiler: and a brief future of crypto

If you want to understand the true value and strength of crypto, apply a simple thought experiment:

Take your favorite crypto token. Imagine if every country in the world banned that token from fiat->token exchanges overnight. Seriously think through, step by step, what would happen to the price, utilization, transfer mechanisms, mining groups, etc. Do you think it would still be around at the end of 6 months?

Now consider any random token with sufficiently vetted design and security. Imagine the US government announces it will start accepting that token as payment for taxes, instead of dollars. Or it grants that token full legal tender status... provided it is transferred by regulated, accredited banks. What do you think happens to the market for all crypto, in a world where some bannings happened first, followed by official adoption? Does anyone think all the decentralized, democratic, libertarian, revolutionary rhetoric thrown around by the crypto crowd affects anything, as much as those two pieces of paper signed by bureaucrats will?

(The reason for adoption will be easily missed during such an announcement. It'll be a single paragraph stating the government will also pay its own bills using that convenient, easily conjurable token.)

As for which token wins that prize, who knows, it doesn't matter. It'll probably be something straightforward like USDT, or something already integrated with the big banks that fund national governments, like Ripple. Governments will likely copy one of those and spin up their own nationalized, centrally-controlled versions; or they'll outsource that to the IMF, who spins up SDR 2.0. Either way it's a gamble whether you, the individual, get to profit from the move or not.

 

[Major]

Where can I buy this iso20022coin?