Financial institutions around the world are rapidly shifting to ISO 20022, a unified messaging standard aimed at improving global payment systems. This move is creating new opportunities for digital assets like XRP and XLM, which are built for compliance and seamless integration with regulated networks.
A video posted by SMQKE (@SMQKEDQG) on X, according to which the ISO 20022 format has already been implemented in all SEPA transactions. In the meantime, the U.S. Fed Reserve has pushed American banks to change before the July planned ISO 20022 upgrade in Fedwire. SWIFT has also assured that they will fully migrate to the standard in November.
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ISO 20022 permits detailed and structured financial messaging, which enhances transparency in transactions and efficiency across borders. Due to the replacement of aging infrastructure in banks, the sphere of interest in digital assets capable of operating within ISO-compatible environments is wide open.
XRP and Stellar Lumens (XLM) have become objects of interest due to their capacity to meet such needs. Their low-cost, high-speed transaction capabilities make them suitable for banks looking to modernize payments without disrupting their core frameworks.
Blockchain Integration Gains Traction Through Stronghold’s ISO 20022 Use
Stronghold, a blockchain payment company, is one of the firms actively integrating ISO 20022 into real-world operations. A representative from the company confirmed that ISO 20022 messaging is being used alongside blockchain ledger payments in select pilot projects. The goal is to improve the reliability and performance of financial services by combining regulated messaging formats with modern blockchain tools.
Stronghold’s founder and CEO, Tammy Camp, said that the company’s infrastructure enables fiat currency to flow through Ripple, Stellar, and Interledger Protocols via accessible APIs. The arrangement connects the old system of finance with a digital ledger and provides a working turnkey for compliant blockchain-based payments.
With financial institutions shunning old models, the demand for ISO-congruent digital assets is increasing. According to analysts, since XRP suits institutions’ interests and has integration capabilities, it will take charge.
As ISO 20022 becomes the standard financial message worldwide, digital assets such as XRP and XLM are taking center stage. They are well-designed, fast, and compatible, so they are leading candidates for the future of regulated digital payments.
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