ISO 20022 Compliant Cryptos: The Future of Money While the Rest Will Fade?

Introduction

There are many cryptocurrencies in the crypto space. Many of them are present to make noise and distract you from investing in real utility-driven crypto projects. This is a fact that only a few people in this space know. So, if you are reading this article, consider yourself lucky!

While the media creates hype around the greatest cryptocurrency or the "father of all cryptocurrencies," which is Bitcoin, you would be surprised to know that Bitcoin is only considered a store of value based on the perception of people. 

Bitcoin does not offer real-world utility, it does not offer smart contract functionalities, it is slow, expensive and it does not have any place in the new financial world that is going to take place in the future.

In this article I will break down:

• What ISO 20022 is
• Why ISO 20022 is special
• What ISO-compliant cryptocurrencies mean
• The list of ISO-compliant cryptos
• Why most other coins could be left behind

What is ISO 20022?

ISO 20022 is a universal standard introduced in 2004 for electronic data exchange between financial institutions. This standard is not a payment system but rather the language that global financial institutions utilize to talk to each other regarding cross border payments. 

Earlier we had ISO 15022 which was introduced in 1995 which is an older format of messaging between banks and financial institutions. 

Why is ISO 20022 Special?

ISO 20022 is special because this standard was built to be flexible and last for decades. In short, this standard was built to evolve with time.

As financial systems become more sophisticated, there is a growing need for rich, structured data and ISO 20022 delivers exactly that. Here’s why these matters:

Fraud prevention: Standardized data makes it easier to spot and stop suspicious activity.

Interoperability: One global messaging format reduces errors and boosts clarity.

Automation: Machines can read and act on data, speeding up transactions without human input.

ISO 20022 isn’t just an upgrade - it’s the future backbone of secure, smart, and efficient finance.

What ISO-compliant cryptocurrencies mean?

ISO 20022 compliant crypto are cryptocurrencies which are technically aligned with this new messaging or communication standard. This means cryptocurrencies which are ISO 20022 compliant can talk the same language as banks and financial institutions.

In simple terms, these cryptocurrencies are capable of integrating and working seamlessly with global financial systems whether it's for cross-border payments, trade finance, derivatives, stocks, bonds, or any other financial transaction you can think of.

The list of ISO-compliant cryptos

There are only a handful of cryptocurrencies that are ISO 20022 compliant or are working toward it:

• XRP (Ripple)
• XLM (Stellar)
• XDC (XDC Network)
• ALGO (Algorand)
• IOTA
• Quant (QNT)
• Hedera (HBAR) – partly involved

These are the serious players, these players will play a huge role in the new financial era which will unveil in the future making these cryptocurrencies once in a lifetime opportunity investment.

What Role does ISO 20022 compliant crypto play in the future?

✅XRP (Ripple) – Settlement of high-value, cross-border payments between financial institutions in real-time, with minimal cost and liquidity on demand.

✅XLM (Stellar) – Designed for low-cost, fast remittances and micropayments, especially for individuals and underbanked regions.

✅XDC (XDC Network) – Focused on trade finance, enabling tokenization of real-world assets like invoices, contracts, and bills of lading, making global trade more efficient.

✅HBAR – Enterprise-grade payments, tokenization, and data logging with very high speed and security using its unique hashgraph technology (not blockchain).

✅ALGO (Algorand) – Built for CBDCs, smart contracts, and digital government infrastructure, offering fast, scalable, and eco-friendly blockchain tech.

 ✅IOTA – Tailored for the Internet of Things (IoT); enables machine-to-machine (M2M) micropayments and secure data transmission without fees.

✅QNT (Quant Network) – Not a blockchain itself but an interoperability layer via Overledger OS, connecting multiple blockchains and financial systems, like middleware for the new digital economy.

Why Most Cryptos Are Just Noise

Now let’s talk about why the majority of crypto projects won’t last.

1. Lack of Real Use Case

Most tokens exist just for speculation. They have no product, no service, and no long-term value. People buy them hoping the price goes up—but that's not sustainable.

2. Regulatory Risks

When global regulations hit hard, most tokens will be labeled as securities, get sued, or be removed from exchanges.

3. Can’t Integrate with Banks

If a crypto can’t work with the ISO 20022 system, it will be left out of the future financial infrastructure. That means no integration with CBDCs, banks, or global payment networks.

4. Not Scalable

Many cryptos can’t handle high volumes of transactions or secure settlements. ISO-compliant cryptos like XDC or Algorand are designed to scale.

5. Hype-Driven

Tokens like Dogecoin or Shiba Inu are fun, but they rely on internet trends, not real solutions. When the hype dies, the token dies.

Final Thoughts

It is clear that ISO 20022-compliant cryptocurrencies will play a major role in the upcoming financial era. Currently, the prices of altcoins are largely influenced by macroeconomic factors such as inflation and interest rates, and most altcoins tend to follow the price movements of Bitcoin. However, in the future, it’s likely that ISO-compliant cryptocurrencies will decouple from Bitcoin.

Projects like XRP, XLM, and XDC are expected to play a significant and vital role in the new financial system. As a result, their value may no longer be driven by retail speculation based on fear and greed, but instead by real utility and institutional demand.

Disclaimer: The contents of this article are for informational purposes only and are not financial advice. The views here are just the author’s opinions. The crypto market is volatile, so be sure to do your own research before investing.