I feel like lately there’s been an increase in discussions about cryptocurrencies that comply with ISO 20022. Honestly, at first I didn’t quite understand why this standard is so important, but after looking into it more, I realize it could be a turning point for the entire financial system.

Simply put, ISO 20022 is like a common language that connects traditional banking systems with crypto assets. It’s said that global adoption will accelerate by 2025, and already about 72% of major banks are supporting it. In other words, projects that conform to this standard will gain interoperability with existing financial infrastructure.

That’s why we’re seeing major cryptocurrencies advancing ISO 20022 support. XRP was originally developed by Ripple as part of a network for banks, so this trend is inevitable. Its transaction speed of 3 to 5 seconds and low costs are significantly advantageous compared to traditional international remittances. Cardano (ADA) is known for its academic approach, but integrating ISO 20022 could rapidly expand access to institutional investors.

Quant (QNT) specializes in multi-chain interoperability, enabling communication between different blockchains. With ISO 20022 support, collaboration with traditional financial systems becomes more feasible. Algorand (ALGO), developed by MIT professor Silvio Micali, features a PoS protocol that offers an excellent balance of scalability and security. Stellar (XLM) is designed primarily for efficient remittances, with a focus on financial inclusion in developing countries. Hedera Hashgraph (HBAR) boasts enterprise-grade infrastructure, capable of processing over 10,000 transactions per second.

Looking at these six cryptocurrencies supporting ISO 20022, it’s clear they’re not just a list of projects—they symbolize the merging of traditional finance and crypto assets. As the implementation of this standard accelerates between 2025 and 2026, institutional investment is likely to become more active. Especially in areas like international remittances and supply chain finance, replacing existing systems could become a major trend.

As CBDC development progresses worldwide, coins compliant with ISO 20022 will become key for interoperability. If integration with SWIFT is also considered, mainstream adoption of crypto assets seems unavoidable. How the market reacts to this shift over the coming months will be a critical point to watch.