Quick overview

Live XRP/USD Chart

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SWIFT anticipates that by the beginning of 2026, 90% of all transactions will transition to ISO 20022.

The Registration Management Group (RMG), which includes several members or parent companies linked to well-known Layer 1 blockchains, is responsible for overseeing ISO 20022 compliance.

Notable members include Algorand (ALGO), Hedera Hashgraph (HBAR), Stellar Lumens (XLM), and Ripple (XRP), with the latter two joining in 2020. Thanks to Stellar’s involvement, both original altcoins now have the opportunity to improve interoperability with SWIFT and other major financial institutions. Financial giants like JPMorgan and BlackRock are actively acquiring coins that meet ISO 20022 standards. While Stellar (XLM) has important partnerships with companies such as IBM World Wire and MoneyGram, its trading volume remains lower than XRP’s.

Ripple is actively working with over 300 banks and financial payment systems, including Santander and SEB, and is developing its own RLUSD stablecoin.

it makes sense for the altcoin to grow with relatively low transaction costs since Ripple’s (XRP) spot market volume regularly exceeds $2 billion. Its futures market volume is four times this amount, reaching over $8 billion in a single day for perpetual contracts, reflecting a rising trend among traders seeking larger profits.

Although both Distributed Ledger Technology (DLT) chains process a block roughly every five seconds, Stellar Lumens (XLM) typically maintains a daily trading volume between $100 million – $200 million. Compared to Stellar’s average of 7 million transactions per day, XRP’s ledger processes approximately 40 million transactions daily.