Cryptocurrencies Compatible with ISO 20022: A Comprehensive Comparison of 8 Digital Assets Compliant with the New SWIFT Standard

The international financial messaging standard ISO 20022 announced by SWIFT has been attracting significant attention in recent years. While the number of cryptocurrencies supporting this standard is limited, their market performance has shown very interesting movements.

What is the ISO 20022 Standard?

The ISO 20022 standard developed by the International Organization for Standardization (ISO) is a system designed by SWIFT to unify and automate communication between financial institutions. This standard, formulated by the Geneva-based international organization, plays a crucial role in harmonizing data transfer between different financial institutions.

SWIFT has functioned as the world’s largest interbank settlement system for over 50 years. The transition to the new standard began in 2022, with completion mandated by 2025. All financial institutions are required to adapt to this new messaging system, which has increased interest in cryptocurrencies that support ISO 20022.

Why Do Bitcoin and Ethereum Not Support It?

Bitcoin (born in 2009) and Ethereum (born in 2015), the largest players in the blockchain industry, do not support the ISO 20022 standard. Since they existed years before the standard was announced, it was difficult to retrofit support afterward.

On the other hand, Ripple’s XRP took a different approach. As a private company, Ripple effectively leads the development of the XRP Ledger, allowing it to implement changes to support ISO 20022.

The 8 Major Cryptocurrencies Supporting ISO 20022

Currently, there are 8 cryptocurrencies confirmed to support ISO 20022. The list is as follows:

• XRP (Ripple)
• ADA (Cardano)
• XLM (Stellar)
• HBAR (Hedera)
• ALGO (Algorand)
• QNT (Quant)
• IOTA
• XDC

XRP: The Leading ISO 20022-Supported Coin

XRP is undoubtedly one of the largest cryptocurrencies supporting ISO 20022. As of October 2024, it was below $0.6, but after President Trump’s victory, it rose to $1.1, and then surged further to $2.7.

In early 2025, it broke through $3 for the first time in seven years, reaching over $3.2. This rapid increase is likely attributable to its support for ISO 20022.

However, past data should also be considered. The all-time high of $3.8 recorded in January 2018 was during a bubble phase that achieved a +1,400% increase in just one month. Subsequently, during the bear market, it fell below $0.2.

ADA: Steady Movement of Cardano

ADA, the second-largest by market cap among ISO 20022-supporting coins, was issued by the Cardano project. It was below $0.4 in October 2024 but surpassed $1.2 after Trump’s victory.

Unlike XRP, its rise after 2025 has been more subdued. Its all-time high of $3.1 in 2021 remains distant, and the impact of ISO 20022 may become more apparent in the future. Its current price level slightly exceeds its 2018 peak, following a different trajectory from XRP.

XLM and HBAR: Divergent Recovery Trends

Stellar (XLM) was born as a decentralized spin-off of Ripple and has evolved over time. While XRP faced SEC issues at the end of 2020, XLM reached an all-time high of $0.9 in 2021. From below $0.1 in October 2024, it rose above $0.5 after Trump’s victory. Currently, it is slightly below that level, still far from its 2021 high and approaching its 2018 peak.

Hedera (HBAR) has existed since 2019 and shows a different trend. Its recent peak was nearly equal to its all-time high, indicating potential for further upward movement. It was below $0.05 in October 2024 but surged past $0.36 after Trump’s victory. After a correction to $0.25, it has started rising again in 2025, showing a pattern similar to XRP but with a slightly lower peak.

ALGO, IOTA, QNT, and XDC: Recovery Potential and Challenges

Algorand (ALGO) and IOTA have experienced prolonged struggles. ALGO is down about 85% from its all-time high, and IOTA is down over 90%. However, they show modest signs of recovery in early 2025, with ALGO rising from $0.1 to $0.5, and IOTA from $0.1 to $0.4. Still, they are far from their 2019 high of $3.2 (ALGO) and December 2017 high of $5.7 (IOTA), indicating a long-term downward trend.

QNT is currently down 72% from its high, and XDC is down 30%. Both experienced sharp rises after Trump’s victory—QNT from $56 to $165 between November and December, then correcting below $120; XDC grew from $0.03 to over $0.13 in 2025.

Latest Real-Time Data and Market Outlook

As of January 2026, the latest data shows the following prices:

• XRP: $2.04 (24h -2.48%)
• ADA: $0.39 (24h -1.10%)
• XLM: $0.22 (24h -3.82%)
• HBAR: $0.12 (24h -2.59%)
• ALGO: $0.13 (24h -3.01%)
• IOTA: $0.10 (24h -4.27%)
• QNT: $73.10 (24h -4.13%)
• XDC: $0.05 (24h -1.89%)

With the completion of the ISO 20022 migration approaching, the role these supported cryptocurrencies will play in the future financial markets will be a key theme. Rather than reacting to short-term price fluctuations, focusing on the fundamental value proposition of standard support is an important perspective for investors.