I've been seeing a lot of discussions lately about the ISO 20022 financial messaging standard, but it turns out it's also having a significant impact in the cryptocurrency world. Cryptocurrencies that comply with this standard, which SWIFT announced a few years ago, are actually quite limited.

Bitcoin and Ethereum are not compatible with ISO 20022. This is because they were created in 2009 and 2015 respectively, before the standard was even announced. But what's interesting is that Ripple's XRP does support this standard. XRP was created in 2012, and since Ripple is a private company leading its development, they were able to implement support for ISO 20022. Unlike Bitcoin and Ethereum, where decisions are decentralized, XRP's structure allows a single company to make such changes.

There are a total of eight known cryptocurrencies that are compliant with ISO 20022. These are XRP, Stellar's XLM, Cardano's ADA, Hedera's HBAR, Algorand's ALGO, Quant's QNT, as well as IOTA and XDC.

XRP's performance is particularly notable. In October 2024, it was below $0.6, but then it surged and is now up to $1.45. Its all-time high was $3.80 in January 2018, which was driven by a speculative bubble, so this recent movement might have a different background. The rise of XRP in 2025 could be attributed to the fundamental support from ISO 20022 compliance being recognized.

ADA is also gaining attention as a major ISO 20022-compliant cryptocurrency. It has risen to $0.27, but it hasn't yet reached its 2021 high of $3.09. Compared to XRP, the impact of ISO 20022 in 2025 might not be fully reflected yet.

XLM is trading around $0.17, still far from its 2021 peak of $0.88. HBAR is at $0.09, but it seems to be starting a new upward trend from recent peaks.

ALGO and IOTA are still facing tough conditions. ALGO has fallen significantly from its all-time high, and IOTA is in a similar situation. However, with 2025 approaching, there are some signs of recovery. ALGO is around $0.12, and IOTA seems to be gradually improving.

QNT and XDC are showing different trends. QNT is currently below $120, while XDC remains relatively stable at around $0.03.

Looking at this, it’s clear that ISO 20022 compliance is becoming a new investment theme in the crypto market. The fact that SWIFT needs to complete its transition to the new standard by 2025 might be a reason these coins are gaining attention. Trading activity for these ISO 20022-compliant cryptocurrencies is also increasing on Gate.io, so if you're interested, it might be worth checking them out.