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XRP was the leading coin in the new category of ISO 20022 coins. The update coincided with the global shift to ISO 20022.

Many market participants are curious about the possible connection between digital assets and this transition.XRP is leading the pack, according to recent analyses and platform classifications.

CoinMarketCap introduced an official ISO 20022 category, with XRP at the top because of its native compliance through RippleNet. Based on market capitalisation, utility, and adoption metrics as of November 23, 2025, the following is a summary of the top ISO 20022-compliant cryptocurrencies for 2025.

ISO 20022 is a modern communication standard for financial transactions, including payments. Banks and payment providers are replacing older MT messages with new MX messages, which contain more structured data. This helps create clear formats for instructions, account details, and reporting, increasing payment accuracy.

SWIFT set a deadline for this transition on November 22. It’s expected that this shift will continue across the financial industry. To avoid failed messages, banks need to adopt the new format.

Many experts now see this transition as XRP’s entry into the global monetary system. The standard does not alter a blockchain’s core functions; it only affects the payment messages that institutions send and receive. Ripple developed its technology to comply with ISO 20022 standards. The system is ready for banks that complete their migration, as RippleNet can send messages in the new format. However, XRP itself is not ISO 20022 compatible.

Since RippleNet can send messages in the new format once banks finish their migration, the system is prepared. Yet, XRP does not comply with ISO 20022. No cryptocurrencies currently fully comply.

Nonetheless, Ripple’s system compatibility enables XRP to progress within standard-compliant financial networks. It also allows potential communication with SWIFT-connected networks that expect ISO 20022 messaging. Although XRP was designed to solve the global banking payment problem, Ripple built its tools to help organisations transfer money across borders quickly and cost-effectively.

These tools can use XRP as a bridge asset. By using Ripple’s technology to send ISO 20022-ready messages, banks can stay aligned with international standards. Therefore, XRP might play a role in future payment flows.