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Which Crypto Projects Are Banking on ISO 20022? Here's What You Need to Know
If you’ve been following crypto and fintech closely, you’ve probably heard ISO 20022 thrown around a lot lately. But what’s the actual deal? Why should you care?
Simple version: ISO 20022 is basically the new language that banks worldwide are switching to for moving money around. It’s replacing the ancient SWIFT/MT protocols that have been running global finance since forever. By 2025, around 72% of major banks will be fully migrated.
Here’s the kicker – several major crypto projects have already built ISO 20022 compatibility into their infrastructure. Why? Because being able to talk the same language as traditional finance opens massive doors.
The Real Why This Matters
When a crypto network speaks ISO 20022, it’s not magic. But it does mean:
Plugging into banking rails directly – No more clunky conversions. Compliant crypto can integrate with existing bank payment systems being upgraded to the standard.
CBDC compatibility – As China, the EU, and others launch their digital currencies, ISO 20022 becomes the common ground. Projects aligned with it are basically future-proofed.
Potential SWIFT integration – This would be massive. SWIFT handles the majority of global bank transfers. ISO 20022 compliance gets crypto closer to this.
Institutional adoption becomes easier – Banks want custody solutions and trading platforms. Clean data interoperability is mandatory. ISO 20022 is the standard they’re already adopting.
The Projects Making Moves
XRP – Already positioned as the bridge currency for cross-border payments via RippleNet. Settles in 3-5 seconds, handles 1,500 TPS. Banks are already using it.
Cardano (ADA) – After shipping smart contracts in 2021, ADA is now integrating ISO 20022 to ensure its DeFi ecosystem can speak to traditional finance.
Quant (QNT) – Their Overledger protocol enables multi-chain communication. ISO 20022 support means developers can build solutions compatible with legacy financial networks.
Algorand (ALGO) – MIT-backed consensus protocol, focusing on institutional accessibility. ISO 20022 integration signals serious play for enterprise adoption.
Stellar (XLM) – Purpose-built for remittances and cross-border transfers. Already nonprofit-focused on financial inclusion. ISO 20022 makes it the natural choice for banks modernizing their rails.
Hedera (HBAR) – Enterprise DLT doing 10,000+ TPS. Hashgraph consensus is genuinely different from typical blockchain. ISO 20022 helps institutions trust it.
IOTA (MIOTA) – Focused on IoT and machine-to-machine payments. ISO 20022 bridges its siloed infrastructure to external systems.
XDC Network – Hybrid blockchain for trade finance and supply chains. Can process 2,000 TPS and already built for regulatory compliance.
Real Talk
None of this happens overnight. But the trend is clear: crypto projects serious about institutional adoption are betting on ISO 20022. It’s not sexy, but it’s infrastructure. And infrastructure wins.
The projects that nail this bridge between crypto innovation and banking compliance will likely have the easiest path to mainstream adoption. Because at the end of the day, regulators and institutions want standards they recognize.