Best ISO 20022 Cryptos to Watch in 2025

ISO 20022 is the messaging standard that banks are upgrading to. It is built for cleaner, more detailed financial data. A handful of crypto projects are built to match it, aiming to work with the same systems used in payments, banking, and compliance.

This guide looks at the best ISO 20022 cryptocurrencies, focusing on the top ISO 20022-compliant coins built for real-world utility, not just hype. If you’re interested in learning about ISO 20022 crypto coins, this guide should cover everything you need to know.

Our well-curated ISO 20022 crypto list will help you spot projects that are actually built for integration with banks and financial systems instead of those that use the label as a marketing tactic.

Top ISO 20022-Compliant Cryptos: Summary

We’ll break down why ISO 20022 matters, what it has to do with crypto, and which coins are actually built to work with it.

You’ll get a look at the best ISO 20022 coins of 2025, and explain how they fit into things like cross-border payments, CBDCs, and real financial infrastructure.

Along the way, we’ll show you how this all connects to institutional adoption, where to buy these tokens, how to store them, and what risks you need to know before jumping in.

Best ISO 20022 Crypto Coins of 2025

Banks and payment networks worldwide are moving toward ISO 20022, a new global messaging standard that replaces old formats like SWIFT MT. It’s all about clearer, more structured data, which is becoming more important as traditional finance and blockchain start to overlap.

Some crypto projects are already gearing up for this by building tech that lines up with ISO 20022 standards, and they’re getting attention for how they might fit into future banking systems.

In this list, we’re covering the top ISO 20022 crypto coins in 2025, the ones with the tech, structure, and use case potential to actually matter in a world where finance is becoming more connected, regulated, and digital. From cross-border payment players like XRP and XLM to enterprise-focused platforms like XDC, here’s what you need to know.

1. XRP – ISO Crypto Supporting Cross-Border Payment

XRP has carved out a pretty unique role in 2025. It is one of the few digital assets that work well with the ISO 20022 standard, the new global messaging standard that banks are shifting to. Ripple, the company behind the adoption of XRP, joined the ISO 20022 standards body in May 2020, and its RippleNet network was one of the first to support the format.

Even though XRP itself is a cryptocurrency and not a messaging standard, the XRP Ledger’s design matches up well with ISO 20022’s data model. That means financial institutions can use XRP as a bridge currency in compliant cross-border payment setups. It checks the boxes for richer data formatting and compatibility, which are huge for banks moving away from older messaging systems.

The upside for banks using XRP is straightforward: faster transfers, lower fees, and better data baked right into the transactions. Ripple’s On-Demand Liquidity (ODL) taps into XRP to settle international payments without the need for pre-funded bank accounts, which streamlines everything for institutions working inside ISO-compliant systems.

Since XRP is very cheap and fast, settling transactions in 3-5 seconds while costing a fraction of a penny, it’s definitely one of the best ISO 20022 cryptos for cross-border payments.

Curious about where XRP might be headed? Read our XRP Price Prediction for 2025-2030 to understand future market trends.

Pros and Cons

XRP has positioned itself as a future-facing cross-border payments asset through its close alignment with ISO 20022 and RippleNet’s growing reach in traditional finance.

Its speed, affordability, and integration capabilities give it serious potential as banks overhaul old systems. Still, its success depends on broader adoption, competition, and regulatory questions for those looking to buy Ripple (XRP) or already holding it.

2. Stellar (XLM) – Focuses on Financial Inclusion & Remittances

Stellar (XLM) is another ISO 20022-compliant crypto that is similar in many ways to XRP. Built for cross-border payments and financial inclusion, Stellar was designed with traditional finance in mind.

Thanks to the Stellar Development Foundation’s work, the network aligns with ISO 20022 messaging standards, making it easier for banks and legacy systems to plug in.

What helps XLM stand out is its fast and cheap transaction system. The Stellar Consensus Protocol (SCP) finalizes payments in seconds, often with a fee so tiny it rounds down to zero. Pair that with ISO-friendly metadata, and financial institutions looking to modernize away from SWIFT can see the appeal.

Being ISO 20022-compatible isn’t just a nice-to-have. It means Stellar can carry structured transaction data, like remittance info or compliance details, without skipping a beat. This makes XLM a strong option as a bridge between old-school fiat and decentralized apps (dApps).

With major networks like SWIFT, SEPA, and Fedwire expected to fully adopt ISO 20022 by mid-2025, XLM could benefit from a wave of new integrations. Analysts are also eyeing Stellar’s competitive positioning next to XRP, especially now that messaging standards are a hot topic among institutions.

Stellar (XLM) offers a clean, purpose-built toolset for developers, NGOs, and financial players who want to bridge blockchains and banks. As the ISO upgrade rolls out globally, Stellar is ready to meet it head-on.

If you’re holding Stellar (XLM) and see it as a long-term play in digital finance, why don’t you check out our Stellar Lumens ($XLM) price prediction to see where it could be headed?

Pros and Cons

Stellar (XLM) is built from the ground up for financial blockchain interoperability and inclusive payments. Its ISO 20022 alignment, speed, and cost-efficiency put it in a strong position as banks and institutions make the digital leap.

With growing real-world traction and meaningful live use cases, Stellar is technically sound and a grounded blockchain player in the cross-border payment market.

If you’re just getting started, here are 7 ways to buy Stellar Lumens (XLM) instantly in 2025.

3. Algorand (ALGO) – ISO 20022 Crypto Supporting CBDCs

Algorand (ALGO) is a Layer-1 blockchain that doesn’t waste time. With its Pure Proof-of-Stake (PPoS) consensus system, it moves fast, scales well, and settles transactions in seconds. We’re talking up to 10,000 transactions per second, without sacrificing decentralization or security.

Due to its technology, Algorand fits nicely on this list of cryptos compliant with ISO 20022. This gives ALGO an edge for integration with banks, fintech, and even central banks.

Why does this matter? ISO 20022 isn’t just about faster payments. It’s about structured, detailed data that helps reduce errors, smooth out reconciliation, and make compliance less of a headache. Algorand’s setup allows for all that and more, including metadata like KYC info, payment notes, and audit trails.

You’ll also find Algorand discussing central bank digital currencies (CBDCs), asset tokenization, and smart contracts. Its tech isn’t just compatible with ISO standards, it’s built with these high-stakes, high-integrity use cases in mind. That’s why it’s already being adopted by governments and financial institutions, especially in Latin America and Europe.

With ISO migration deadlines wrapping up around late 2025, Algorand seems to be in the right place at the right time.

You can look deeper at its potential in our Algorand (ALGO) price prediction 2025–2030.

Pros and Cons

Algorand is playing the long game. With its mix of speed, resilience, and regulatory readiness, it’s built for the kinds of projects banks, governments, and enterprises care about. From CBDCs to cross-border compliance, ALGO has the correct specs. But before you buy Algorand, know that, like any player in the institutional space, it still needs strong partnerships, regulatory green lights, and continued adoption to stay ahead of the pack.

4. Quant (QNT) – Top ISO 20022 Crypto Focusing on Interoperability

Quant (QNT) is built around the Overledger protocol. It connects the dots between old-school banking systems, permissioned networks, public blockchains, and CBDCs. It’s not just compatible with ISO 20022; it was designed from the ground up to speak that language fluently, which puts it in a solid position as more financial systems move toward standardized messaging.

In April 2025, Quant introduced Quant Flow, which lets institutions automate payments and build compliance-friendly workflows. It’s powered by PayScript®, a custom scripting language that helps companies embed important info like KYC, AML data, remittance notes, and reconciliation tags directly into payments. And it does all this without blinking across complex networks like SWIFT, Fedwire, and Corda.

The QNT token is what makes everything tick. It’s used to access Overledger services, run transactions, and support the best crypto staking system based on actual activity, not speculative hype. With a fixed supply of around 14.6 million, there’s no inflation mechanic inflating your holdings while you sleep. It’s simple: the more real use cases it supports, the more useful the token becomes.

Pros and Cons

Quant is taking a more practical route towards finance, building tools that help institutions upgrade what they already have. With ISO 20022 support, programmable workflows, and a role in real-world projects, it’s got a serious shot at playing middleman in tomorrow’s digital finance systems.

But its success depends on how many institutions decide to make the jump. If they do, Quant won’t just be part of the system; it might be the quiet backbone that keeps it all talking. Due to this, Quant fits neatly into our roundup of the top ISO 20022 crypto tokens.

5. IOTA – Focuses on IoT payments & Data Integrity

IOTA (MIOTA) differs from most cryptocurrencies, especially when it was launched (July 2016). Instead of chaining blocks like everyone else, it runs on a Directed Acyclic Graph (DAG) called the Tangle. It sounds complex, but the takeaway is simple: It allows devices to send value and data without paying fees, which is a huge deal for microtransactions in IoT environments.

Since IOTA is feeless, it is a good option as an ISO 20022 crypto, giving it the potential to work alongside financial institutions and central banks.

Where IOTA gets interesting is how it handles data. The Tangle doesn’t just move coins; it can embed structured financial messages directly into transactions. That means things like remittance info or KYC metadata can flow alongside payments, making IOTA a good fit for systems that rely on clear, regulated messaging like SWIFT or CBDC networks.

Its biggest selling point? Zero fees. In an industry where every transaction usually comes with a price tag, IOTA’s model makes it ideal for situations where devices need to talk constantly without racking up a bill. From smart factories to real-time logistics, this feeless framework fits right into use cases that need high-frequency data and value exchange.

IOTA may not look like the usual ISO-aligned players such as XRP or Stellar, but in terms of raw utility for the machine economy, it brings something different.

Pros and Cons

IOTA brings a fresh perspective to the blockchain space, focusing on feeless microtransactions and IoT-first architecture. Its readiness for ISO 20022 gives it a bridge to formal financial messaging without sacrificing its uniqueness.

The technical potential is there, but long-term success will depend on how well it decentralizes and integrates with the regulated world. If it pulls that off, IOTA could be the quiet enabler behind how machines handle money and data in the years ahead. If many users adopt the project or buy IOTA, it could become one of the most popular cryptocurrencies used in ISO 20022 payments.

What Is ISO 20022 Crypto?

ISO 20022 crypto refers to digital assets that are built to “speak the language” of the financial world. And by that, we mean they’re compatible with the ISO 20022 standard, a global messaging format used by banks and financial institutions to send electronic data in a clear, structured way.

Right now, many traditional financial systems rely on older, clunky message formats that were never designed to handle today’s fast, complex money movement. ISO 20022 changes that. It’s like upgrading from a flip phone to a smartphone. It allows for richer, more detailed financial information, which is a big deal for everything from cross-border payments to trade finance and even regulatory compliance.

Now, cryptos that are ISO 20022 compliant are the ones positioning themselves to work directly with this next-gen financial messaging system. These tokens are designed to plug into existing financial infrastructure, offering the kind of seamless integration that banks and financial entities need if they’re going to adopt blockchain tech.

In other words, ISO 20022 crypto is the bridge between blockchain networks and the traditional finance system.

Some of the best ISO 20022-compliant cryptocurrencies for banks, like XRP, XLM, and XDC, aren’t officially certified, but they’re built according to ISO 20022 standards. Their networks can handle structured data and metadata, which makes them a good fit for future financial systems that move toward ISO 20022.

For example, the RippleNet Payment Object includes fields (like ChrgBr) that come directly from ISO 20022 schemas. Also, as Omni Network co-founder Austin King points out:

“What did $XRP prioritize before any other crypto and processes over $434,000,000,000 each day? ISO 20022 —few people understand how important this is.”

These cryptocurrencies won’t be replacing SWIFT (just yet), but they’re built with compatibility in mind. When looking at ISO 20022 vs SWIFT for crypto payments, ISO 20022 stands out because it allows more detailed and flexible messaging. That makes it easier to work with modern tech like blockchain, compared to SWIFT’s older, more limited format.

ISO 20022 & CBDCs: Are They Related?

ISO 20022 and CBDCs are like peanut butter and jelly. They’re different but made to work together.

ISO 20022 is a global standard for formatting and sending financial messages between banks, clearinghouses, and other financial entities. It’s all about consistency and clarity in financial communications. Think of it like a universal translator for money.

CBDCs, on the other hand, are a completely digital version of a country’s currency. But if a digital dollar or digital euro is going to work with the world’s banking infrastructure, it needs to follow the same messaging rules as everything else. That’s where ISO 20022 comes in.

When a CBDC is ISO 20022 compliant, it can smoothly connect with other systems, including older banks, newer blockchain networks, and international payment systems. It’s what makes seamless integration possible between new money tech and the traditional finance system.

CBDCs don’t have to use ISO 20022, but they do need it if they want to be useful on a global scale, especially for cross-border transactions, regulatory compliance, and secure record-keeping.

ISO 20022 vs. CBDCs: Comparison Chart

This comparison makes it pretty clear that ISO 20022 and CBDCs may be different tools, but they’re meant to work together. The ISO 20022 crypto standard gives CBDCs the structure they need to connect with everything from traditional financial systems and banking systems to modern blockchain networks and global payment settlement infrastructure.

Without this shared language, CBDCs would be stuck trying to talk to legacy tech using a brand-new dialect, and that just doesn’t work in real-world finance. ISO 20022 solves that by enabling seamless integration across all types of financial institutions, making electronic data exchange smoother, faster, and more accurate.

It also lowers transaction costs, which is important for everything from cross-border payments to global trade. Regulators love it because it supports better tracking, reporting, and financial information sharing. Since CBDCs will interact with all kinds of existing financial infrastructure, being ISO-ready has already gained significant importance.

In short, ISO 20022 is like the connector cable between old-school finance and the future of money. If a CBDC wants to work across borders, plug into the traditional finance system, and play nice with private cryptos, this global standard is how it speaks the right language.

How ISO 20022 Could Impact the Crypto Industry

The ISO 20022 standard is changing how the financial sector communicates, and crypto is finally being invited to the table. Here’s how this could change everything for the crypto space:

1. Crypto Can Finally Plug Into Traditional Finance

One of the biggest issues with crypto has always been its lack of connection to mainstream finance. By becoming ISO 20022 compliant, certain tokens like XRP, XDC, and QNT can now interface with traditional financial institutions, banking infrastructure, and other financial entities, without needing to completely replace them.

2. Cross-Border Payments Get a Major Upgrade

Tokens aligned with ISO 20022 can support faster, cheaper, and more transparent cross-border payments. This is huge for remittances, foreign exchange, and international payment systems. Instead of days of waiting and high transaction fees, we’re talking near-instant transfers with embedded metadata to track everything in real-time.

3. Better Data = Better Compliance

ISO 20022 allows for detailed, structured messaging, which includes regulatory and compliance data. This is something that’s been missing in a lot of blockchain networks. Now, crypto projects that follow this standard can actually meet the expectations of the financial industry, which is essential for audits, AML, and real-time monitoring.

4. Unlocking Enterprise and Trade Finance Use Cases

The XDC Network is already diving deep into areas like trade finance and supply chain finance, which rely on systems that need lots of paperwork, tracking, and structured data. ISO 20022 enables electronic data interchange that can automate a lot of that, cutting costs and increasing trust.

5. Attracting Institutional Investment

For years, institutions have hesitated to touch crypto. Too risky, too hard to integrate, too vague. But ISO 20022-compliant assets change the narrative. They offer the kind of structure and seamless communication that institutions expect from other financial systems. That’s a game-changer for institutional investment and long-term adoption.

For cryptocurrency to truly scale and become part of mainstream finance, it has to learn to communicate with the financial systems already in place. ISO 20022 makes this possible.

This standard gives crypto projects the tools to connect with the traditional financial sector through structured data exchange, secure and scalable transactions, and seamless integration with external financial systems. It bridges the gap between cutting-edge tech and the financial messaging capabilities banks and institutions rely on daily.

Tokens like XRP, XDC, QNT, and others are leading the way by preparing for that future. Whether cross-border payments, regulatory compliance, or trade finance, ISO 20022-compliant positions them for real-world usage in the financial industry.

Crypto isn’t just a disruptor anymore; it’s becoming part of the system. ISO 20022 is the roadmap that finally makes facilitating smoother communication across all types of financial entities possible.

How to Choose the Right ISO 20022 Crypto?

Not all ISO 20022 cryptos are the same. Some are genuinely trying to build bridges between crypto and real-world finance, but, as with the crypto market, there will be projects that simply want to capitalize on the popularity surrounding the narrative.

Here’s some advice to help you separate the promising projects from the money grabs and potential rug pulls.

1. What’s it actually for?

Don’t just ask what the token does, ask who it helps. Is it solving real problems like sending money across borders faster, assisting banks to connect with blockchain, or making global payments more transparent? Or is it just claiming to be “ISO 20022 ready” with no clear use?

If there’s no real-world application or clear audience, skip it.

2. Is anyone important using it?

Look at partnerships. If a project is being tested or used by banks, payment networks, or fintech companies, that’s a strong sign. These institutions don’t mess around; they want reliability, regulation, and compatibility. If a crypto is in their systems or pilot programs, it’s worth paying attention to.

3. Does it actually work with legacy finance?

One of ISO 20022 crypto’s biggest promises is that it can plug into existing financial systems without breaking everything. So, you want projects that are built with interoperability in mind, meaning they can “talk” to both modern blockchain networks and the old-school banking world.

That includes message formatting, compliance data, and audit trails.

4. Is it fast, cheap, and scalable?

It’s 2025. If a token still charges crazy fees or takes forever to process a transaction, it’s not built for serious finance. You want something that can handle a high volume of transactions quickly, without massive overhead, especially if it’s meant to help move money across borders or power enterprise systems.

5. Who’s behind it?

The team and their track record matter. Are they ex-bankers and engineers who’ve worked in fintech or finance before? Or are they a group of anonymous Twitter handles promising a moon mission?

Also, check if the project has a real roadmap or just a hype-filled whitepaper. You want direction, not dreams.

6. Are institutions or governments taking it seriously?

This is where things get interesting. If big financial players, governments, or infrastructure providers are even testing the token, they see potential. That kind of backing tells you the project isn’t just built for retail, it’s aiming for the core of the financial system.

Choose projects that build real bridges, not just throw buzzwords around, trying to attract investors who don’t know any better.

If a token can genuinely integrate with crypto and traditional finance and has the adoption, vision, and performance to match, you’re probably on the right track.

Where to Buy ISO 20022-Compliant Cryptos?

Want to buy the Best ISO 20022 coins but not sure where to look? This quick list shows you which exchanges offer them: no fluff, just the platforms that let you get tokens like XRP, XLM, and XDC.

Best Wallet

Best Wallet is a non-custodial wallet in a multi-chain mobile app that doesn’t overcomplicate things. It gives you one clean place to buy, swap, stake, and track crypto across 60-plus blockchains without needing five different apps or a computer science degree.

It’s tightly integrated with Onramper and a bunch of the best decentralized exchange (DEX) aggregators under the hood, so the backend handles the heavy lifting. At the same time, you focus on managing your assets. What makes it especially interesting is its tilt toward ISO 20022‑friendly tokens like Stellar, Algorand, and Cardano, making it useful for anyone leaning into the regulated side of crypto.

Pros and Cons

Best Wallet gives off practical energy; it’s not flashy, but it gets the job done like a top web3 wallet. If you’re looking for a mobile-first wallet that plays well with ISO‑aligned crypto, lets you buy and stake without jumping through hoops, and keeps your keys in your own hands, this one’s worth a look.

It’s still building its track record, and you’ll need to be cool with using your phone for everything, but for users who value control and simplicity, it brings a lot to the table.

Check our Best Wallet Review for more details.

Visit Best Wallet

Binance

Binance is about as close to a household name as you get in crypto. Since launching in 2017, it’s grown into one of the most powerful exchanges globally, offering pretty much every tool a trader or investor could ask for. But what makes Binance interesting here is its attention to ISO 20022-compliant tokens.

You’re not just getting access to these assets, you’re getting them through an exchange that actually understands what institutional-grade infrastructure should look like. Whether you’re a seasoned pro or a curious newcomer digging into regulated crypto, Binance doesn’t leave you short on options.

Pros and Cons

Binance is many things, fast, liquid, massive, but most importantly, it’s one of the easiest places to get your hands on a wide range of ISO 20022-aligned tokens. It’s not a perfect fit for everyone, especially if you’re brand new or live in a region where regulation is tightening. Still, if you’re serious about managing compliant crypto assets with room to grow, Binance is tough to ignore.

Look into our separate Binance review for more.

Visit Binance

KuCoin

KuCoin, launched in 2017 and now operating out of Seychelles, has built a name for itself by doing a little bit of everything, and doing it well. Whether you’re into spot trading, margin, futures, or just exploring ISO‑aligned tokens, KuCoin gives you a lot to play with.

It recently received an ISO 27001:2022 certification, which isn’t the same as ISO 20022 but shows that it takes data security seriously. The ISO 20022 front offers a strong lineup: XRP, XLM, QNT, ALGO, IOTA, and more. If you want to stack compliant tokens, KuCoin gives you a range without too much noise.

Pros and Cons

KuCoin feels like the exchange you graduate to when you want more options but don’t want to dive into overly complex institutional tools. It covers a lot of ground, especially for ISO 20022 token hunters, and balances flexibility with solid security.

Just be mindful of the regions it doesn’t serve, and expect a bit of a learning curve if you’re new. Once you’re in, a feature-rich environment gives you room to experiment without feeling bloated.

Learn more about this exchange in our KuCoin review.

Visit Kucoin

MEXC

MEXC was launched in 2018 and has since grown into a major cryptocurrency exchange, serving millions of users worldwide. It offers just about every trading option: spot, margin, futures, leveraged ETFs, and even NFT indexes.

What makes it especially interesting in 2025

Key Features

• ISO 20022 Token Support: Gives access to all eight of the top ISO-compliant tokens in one spot.
• ISO 27001 Security Certification: The platform takes its security and operational processes seriously.
• Wide Product Range: Lets you trade everything from basic spot to futures and savings, plus NFTs and leveraged ETFs.
• Tiered KYC Model: You can start trading with limited access, then unlock more features through verification.
• Global Fiat On‑Ramps: Supports multiple ways to deposit, including cards, bank transfers, OTC, and peer-to-peer options.

[/su_note]

Pros and Cons

MEXC is one of the more complete exchanges for anyone focused on ISO 20022-aligned crypto. The platform has the right tokens, plenty of tools for active traders, and solid security practices.

It’s not the simplest exchange to jump into, and U.S. users are left out entirely, but for those who can access it and want full control over a compliance-friendly portfolio, MEXC is worth considering.

Look at our dedicated MEXC review to know more.

Visit MEXC

OKX

OKX has been around in some form since 2013, originally under the OKEx name. It rebranded in 2022 and now operates globally from San Jose with thousands of employees spread across multiple offices.

What sets OKX apart is its blend of a heavy-duty trading engine and security stack with a surprisingly polished Web3 setup.

The built-in wallet talks to over 130 blockchains, and the platform holds licenses in all the key jurisdictions, the U.S., EU, Singapore, Australia, UAE, and others. With certifications like SOC 1, SOC 2 Type II, and ISO 27001, plus monthly Proof-of-Reserves audits, it shows serious follow-through on keeping user assets in check.

Pros and Cons

OKX packs a lot into one platform. It’s designed for people who want a serious setup with tight compliance, fast performance, and tools beyond basic trading. The integrated Web3 wallet and broad ISO token support give it an edge for users looking to move between traditional finance and blockchain ecosystems.

But with that power comes a bit of complexity, and it might not be the easiest entry point for casual users. Still, OKX checks most of the boxes for those who want compliant assets with transparency and control.

Head to our OKX review for 2025 for everything else.

Visit OKX

How to Buy ISO 20022 Cryptos: Step-by-Step Guide

Buying ISO 20022-compliant crypto tokens isn’t complicated, but you need the right tools. For this example, we’ll use Best Wallet, a self-custody smart wallet that works with decentralized and centralized exchanges. You stay in control the whole time, without relying on third parties to hold your crypto.

That’s it. You now own an ISO 20022 crypto, and it’s sitting safely in a wallet you control. No waiting periods, locked funds, or asking a support team for permission.

Just check the token’s fundamentals before buying and stay on top of any network support or exchange access changes.

Benefits & Risks of Investing in ISO 20022 Crypto Coins

Before putting money into ISO 20022 tokens, it’s worth stepping back and looking at what you’re actually getting into, the upsides, and the stuff that could trip you up.

There’s upside here, but it’s not without friction. If you’re betting on ISO 20022 tokens, do it with a clear head and a long-term view.

These wallets cover a range of needs from mobile convenience to offline storage. Pick the one that fits your setup and the ISO 20022 tokens you want to hold safely.

Conclusion: Best ISO 20022 Cryptocurrencies

ISO 20022 crypto projects stand out because they’re designed to fit into the systems that global finance already runs on. Instead of building around retail speculation or standalone use cases, these tokens aim to align with messaging standards that banks, payment providers, and governments are actively adopting.

But being ISO-aligned doesn’t guarantee adoption. Investors should pay more attention to actual integrations, infrastructure readiness, and institutional involvement. The standard matters, but real-world usage will determine which of these tokens stays relevant as traditional finance modernizes.

If your focus is long-term viability and institutional use, ISO 20022 coins are worth watching. Just filter out the noise and look at what’s actually being built, and who it’s being built for.

See Also: 

• Best New Cryptocurrencies to Invest in 2025
• Next 1000x Crypto – 10 Coins That Could 1000x in 2025

References

• ISO 20022. “ISO 20022.” ISO 20022, https://www.iso20022.org/.
• Stellar Development Foundation. “Stellar Consensus Protocol.” Stellar, https://stellar.org/learn/stellar-consensus-protocol.
• MEXC. “On-Demand Liquidity (ODL).” MEXC Blog, https://blog.mexc.com/glossary/on-demand-liquidity-odl.
• Federal Reserve Financial Services. “ISO 20022 Implementation Center.” FRB Services, https://www.frbservices.org/resources/financial-services/wires/iso-20022-implementation-center.
• Algorand. “Pure Proof-of-Stake.” Algorand, https://algorand.co/technology/pure-proof-of-stake.
• The Financial Technology Report. “Quant Introduces Quant Flow to Advance Programmable Money in Finance Sector.” The Financial Technology Report, https://thefinancialtechnologyreport.com/quant-introduces-quant-flow-to-advance-programmable-money-in-finance-sector/.
• IBM. “What Is a Directed Acyclic Graph (DAG)?” IBM Think, https://www.ibm.com/think/topics/directed-acyclic-graph.
• Investopedia. “Tangle (Cryptocurrency).” Investopedia, https://www.investopedia.com/terms/t/tangle-cryptocurrency.asp.
• Ripple. “Standard RippleNet Payment Object.” Ripple Docs, https://docs.ripple.com/payments-odl/api-docs/ripplenet/resources/standard-ripplenet-payment-object/.