Will the ISO 20022 Compliance coin really go to da moon? We dug into the data to speak.

What is ISO 20022? Why has the crypto world suddenly started to pay attention to it?

ISO 20022 is a new communication standard launched by SWIFT (the world's largest interbank payment system) in 2022, aiming for full transition by 2025. In simple terms, it means that international bank transfers will need to use a new protocol, similar to a network upgrade.

What does this have to do with the crypto world? Some crypto projects have adapted to this standard in advance, and investors believe they could become a “bridge” in the future SWIFT ecosystem. As a result, these coins have been speculated in the market as “ISO 20022 concept coins,” and they have indeed performed well recently.

Which coins have been adapted?

Currently, only 8 mainstream coins are confirmed to be compatible with ISO 20022:

First Tier: XRP (Ripple)

• Born in 2012, yet the most steadfast advocate of ISO 20022.
• The reason is simple: Ripple is a company and can actively decide on the technical direction (unlike Bitcoin/Ethereum, which have no central entity).
• Price performance: Below $0.6 in October 2024 → Soars to $3.2+ after Trump wins → Sets a new 7-year high

Second Tier: ADA (Cardano)

• The largest market cap ISO 20022 compatible coin (excluding XRP)
• Performance during the same period: $0.4 → $1.2, but the upward trend has stopped.
• Still far from the historical high of $3.1 in 2021.

Other 6: XLM (Stellar), HBAR (Hedera), ALGO (Algorand), QNT (Quant), IOTA, XDC (XinFin)

How does the market view this wave of行情?

Winners vs. Losers Divergence is Obvious:

Is this hype or is there logic behind it?

It seems to be a double-edged sword:

✅ Positive Logic

• SWIFT will really complete the migration in 2025, and compatible coins theoretically have application scenarios.
• XRP is strongly promoted by Ripple for international payments, and has the most interesting story.
• On-chain infrastructure is in place, unlike air coins.

⚠️ Risk Hazard

• Most ISO 20022 coins are still far from their historical highs (ALGO, IOTA down by >85%)
• This surge is likely driven by “concept speculation” rather than fundamentals.
• BTC/ETH are not compatible with ISO 20022, but this does not affect their status.

Who has the most potential?

Overall Rating:

1. XRP - The most talked about, Ripple has made actual progress in the payment field, but $3.2 is already a relatively high level.
2. HBAR - High technical completeness, the current price is closest to the historical high, and the room for recovery is relatively limited.
3. XDC - Although low-key, it is only 30% away from its high, which may be undervalued.
4. ADA - The project is mature but the price momentum has stalled, requiring new catalysts.
5. ALGO/IOTA - Although there has been a rebound, the long-term performance is weak and the risk is relatively high.

Final Words

ISO 20022 is a real policy benefit, but not all compatible coins are worth pursuing. In this wave of increase, XRP benefits the most directly (Ripple's promotion + crypto world popularity), while other coins may be “following the trend concept.”

Think carefully before entering: do you have confidence in their technical fundamentals, or are you just betting on the hype of ISO 20022? The risks of the two are completely different.