Crypto World is lively as Fedwire, the US Federal Reserve real-time quarter-residence system, officially adopted the ISO 20022 messaging standard on July 14, 2025.
But does this mean that for XRP, Cardano and other blockchain networks it is already being prepared for ISO 20022? And could that affect the price of XRP?
What is ISO 20022 and why is it important to cryptography?
ISO 20022 is the global standard for financial messaging, enabling seamless cross-border payments. This allows for rich data exchange, increased security and improved compliance, making it a critical upgrade for financial institutions around the world.
With Fedwire ISO 20022 currently live, blockchain projects that meet this standard could be the biggest choice for banks and payment systems seeking fast, programmable payment options.
ISO 20022 Cipher List: Which Coins Are Compliant?
The main cryptocurrencies currently comply with or are consistent with ISO 20022 standards are:
XRP and FEDWIRE: A natural fit?
With the completion of the Fedwire ISO 20022 integration, XRP has been focused on its long-standing reputation for enabling low-cost cross-border transactions in real time. Ripple’s On-Demand Liquidity (ODL) products are already in use by leading financial players, and ISO 20022 further enhances the relevance of XRP.
Recent chain data shows:
- Surge in XRP wallet creation
- Higher transaction volume
- Institutions preparing blockchain-based cross-border payments
If Fedwire XRP payment integration is investigated by US institutions in the future, it could significantly increase XRP prices and adoption.
Cardano in ISO 20022 Spotlight
Crypto analyst Dan Gambardello emphasized that Cardano (ADA) is one of the few fully compliant blockchains. Its decentralization, scalability upgrades (Hydra, Mithril) and Bitrue’s new ADA/USD1 trading pair are increasing liquidity and confidence.
According to analysts:
- Ali Martinez expects the ADA to rise from $0.90 to $1.20
- Others point to higher lows and volume growth, suggesting bullish breakouts
Stellar (XLM), Algorand and others gain momentum
Stellar (xlm)
- Focused on issuing Stablecoin and paying low fees
- Considered a fintech-friendly platform for ISO-compliant solutions
Algorand (something)
- We praised energy efficiency and facility grade performance
- Discussions with multiple central banks for CBDC development
QUANT (QNT)
- Connect legacy systems with blockchain
- Positioned as a key player in financial network interoperability
hedera (hbar)
- Supported by top companies, we focus on enterprise-grade speed and security
- Suitable for large amounts of ISO compliant transactions
What’s next? A new era of crypto-driven payments
With ISO 20022 Live on FedWire, this could be a turning point for crypto assets similar to XRP prices. Analysts are hoping:
- More traditional financial players for adopting blockchain rails
- ISO 20022 Institutional interest in Crypto list tokens
- Increased use of Fedwire-compatible crypto payments
Conclusion
FedWire’s adoption of ISO 20022 is more than a technical update. This is a gateway to blockchain-driven finance. Projects like XRP, Cardano, Stellar are at the forefront and are ready to support a new era of instant, secure and compliant global payments.
If XRP finds its way into future Fedwire payment flows, its prices and usage could skyrocket.
