I just reviewed something that happened a few months ago and is still crucial to understand: the official migration to ISO 20022 has been underway since November of last year. Most people in crypto still don’t realize what this really means.



For decades, banks used the old SWIFT network with their MT messages: basically plain text with limited information moving between institutions. That has completely changed. Now everything operates under FINplus, which supports ISO 20022, a much richer, structured, data-driven financial messaging standard. It’s not just a technical update; it’s fundamental: for the first time, traditional finance, digital assets, and blockchain are operating on the same data layer.

What’s interesting is that ISO 20022 allows each payment message to carry detailed, machine-readable information: who’s sending, what it’s for, how to process it. That makes it perfect for CBDCs, stablecoins, and tokenized assets, where transparency and automation are everything.

Until now, banks and blockchains spoke entirely different languages. SWIFT used closed text messages, while networks like Hedera, Ripple, Stellar, and Quant used open formats. ISO 20022 changes that: it becomes the common language.

Since it came into effect, all cross-border payments operate on FINplus with ISO 20022. The old MT messages no longer work. The global financial system now runs on the same structured database.

And here’s what many don’t see: projects compatible with ISO 20022 are in a unique position. Ripple with XRP is at $1.30 (down 1.21% in 24h), Hedera with HBAR at $0.09 (-0.74%), Stellar with XLM at $0.16 (-1.42%), and Quant with QNT at $74.80 (+0.93%). These assets represent infrastructure that is now native to the new global financial system.

It’s not just about prices. It’s that these projects are already prepared for a world where ISO 20022 is the standard. While others struggle to adapt, they are already there. It’s worth understanding this if you want to see where institutional liquidity is headed in the coming years.
HBAR2.22%
XLM1.53%
XRP3.15%
QNT2.09%
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