Top ISO-Compliant Cryptocurrencies in July 2025

[GPVibes]

This showed up when I was going through the net and it got me interested to understand it more and I decided to share some knowledge here to you.

If I have to choose another topic for this thread, I could just say: cryptocurrencies that are complaint to traditional banking system. (At least that's the simple meaning I understand it to be).

Here is the gist of the thread

According to google search, ISO 20022 is an open global standard for financial information. It provides consistent, rich and structured data that can be used for every kind of financial business transaction.

So what is ISO 20022?  

ISO 20022 is a standard developed by the International Organization for Standardization (ISO) for the exchange of electronic payment information between banks. Its goal is to unify all existing message formats into a single language called Extensible Markup Language (XML), which makes data processing easier.

List of top ISO 20022 compliant coins in May 2025

Eight crypto coins already meet the ISO 20022 standard: XRP, Stellar Lumens, XDC Network, Algorand, Iota, Hedera Hashgraph, Quant, and Cardano. Two of them—XRP and XLM— are also members of the ISO 20022 standardization body.

Benefits of ISO 20022 compliance for crypto
 
1. Standardization and interoperability
2. Improved trust and transparency
3. Streamlined cross-border payments
4. Integration with Central Banks: Compliance encourages central banks and financial institutions to use cryptocurrencies. Ripple (XRP), XDC, Stellar Lumens (XLM), Iota, and Algorand are already ISO 20022 compliant, which boosts their potential for adoption as digital reserve currencies or integration into central bank payment systems.

What is ISO 20022 currency?

ISO 20022 currency refers to cryptocurrencies that support or integrate with the financial messaging standard to enable seamless data exchange and interoperability in banking systems. Examples include XRP and XLM.

Does ISO 20022 use XRP?

Yes, XRP is a prominent cryptocurrency aligned with ISO 20022, focusing on cross-border payments and integration with financial institutions.

What banks use ISO 20022?

Major global banks, including HSBC, Deutsche Bank, and JP Morgan, are transitioning to or already using ISO 20022 for enhanced financial messaging and interoperability.


Who needs ISO 20022?

Banks, financial institutions, and payment service providers use ISO 20022 to modernize and standardize financial messaging. It benefits industries requiring seamless and interoperable data exchange.


What countries are in ISO 20022?

ISO 20022 is adopted globally, with countries like the U.S., U.K., members of the European Union, Australia, and Japan actively implementing it in their financial systems.


Does ISO 20022 use blockchain?

ISO 20022 is not a blockchain technology but a messaging standard. Some blockchain projects align with it to improve interoperability and integration with financial systems.


Is Ethereum ISO 20022?

Ethereum is not natively ISO 20022-compliant but could align with the standard through third-party applications or integrations.


Is Bitcoin ISO 20022?

Bitcoin does not directly align with ISO 20022, as it was not designed to comply with financial messaging standards. It remains primarily a store of value and decentralized digital currency.

This content is provided for informational purposes only and should not be construed as investment advice.

The point is Bitcoin and Ethereum are not aligned to ISO 20022, except for Ethereum through third party application or integration.

So just like other volatile cryptocurrency, does this mean bitcoin is never going to be held or issued by banks and what do you think of banks and cryptocurrency compliant?

[Satofan44]

So just like other volatile cryptocurrency, does this mean bitcoin is never going to be held or issued by banks and what do you think of banks and cryptocurrency compliant?

How can Bitcoin be "issued" by banks? It is literally only mined by miners, it can't be "issued" by anyone else. Banks are going to hold Bitcoin probably through ETFs. It is going to happen one way or another. This standard is not relevant for this part of the discussion. Is Gold a ISO 20022 compliant asset?

Ripple (XRP), XDC, Stellar Lumens (XLM), Iota, and Algorand are already ISO 20022 compliant, which boosts their potential for adoption as digital reserve currencies or integration into central bank payment systems.

Shitcoins are not going to become reserve currencies.

[BitGoba]

Banks and paper money came into existence because gold, which had been used as money for centuries, became impractical for everyday use , it was heavy and difficult to store. People started entrusting their gold to moneylenders (who later became early bankers), and in return, these bankers issued paper certificates representing ownership of that gold. Over time, these certificates began to be used as a medium of exchange. This is how banks and fiat money were born.

Will Bitcoin experience a similar fate as gold? Probably not, because Bitcoin is much easier to store. On a Bitcoin standard, everyone could essentially be their own bank. However, since many people are not capable or willing to manage their own money securely, some form of banking on the Bitcoin standard will still be necessary , but these won’t be fiat banks.

Regarding most crypto tokens, many of them are pump-and-dump scam projects that likely won't last long. Therefore, they shouldn't be confused with Bitcoin, which is a decentralized form of money and a monetary system. Most crypto tokens are distractions and unsustainable projects

[ABCbits]

If I have to choose another topic for this thread, I could just say: cryptocurrencies that are complaint to traditional banking system. (At least that's the simple meaning I understand it to be).

Based on my understanding after reading article you mentioned, it seems it's about cryptocurrency that support ISO 20022 communication/data protocol. But other cryptocurrency could have partial/full ISO 20022 if someone use cryptocurrency software or service that bother to add ISO 20022 support.