Crypto Prices Drop 20% Amid ISO 20022 Transition

As the prices of several ISO 20022-compliant cryptocurrencies fall, it may seem like the market is crashing. However, according to a crypto influencer, this is not a sign of failure but a hidden opportunity. ISO 20022 is a common messaging format for financial systems, using clear, structured language based on XML to enable banks and payment providers worldwide to easily understand and share information. This enhances the accuracy and efficiency of transactions.

Launched in 2008, ISO 20022 is gradually replacing older systems like SWIFT, and its impact is extending into the crypto space. Coins that adhere to this standard could be more readily adopted by banks and financial institutions. If major cryptocurrencies like Bitcoin and Ethereum were to integrate ISO 20022, it could bring traditional finance and digital assets closer than ever before.

The global financial system is preparing to fully transition to ISO 20022 by 2025. Several top crypto projects are already aligned with ISO 20022 or are working closely with partners who are aligned with it. XRP (Ripple) leads with over 300 financial partners for fast global payments. XLM (Stellar) focuses on cross-border transactions and financial inclusion. XDC (XinFin) brings blockchain to trade finance, while Algorand (ALGO) offers a green, scalable solution attracting institutional support. IOTA is building for the Internet of Things and machine-to-machine payments. And HBAR (Hedera), backed by major corporations, is designed for secure, regulated environments. Together, these projects are paving the way for the next generation of global finance.

These coins are designed to support the next-generation financial system. The recent drop in their prices is not a sign of failure but more like a “temporary discount.” While the real infrastructure is still being developed behind the scenes, this dip is likely just a distraction. For long-term investors, it could be a smart buying opportunity rather than something to fear.

ISO 20022 is set to bridge the gap between crypto and traditional finance by making transactions safer, faster, and more efficient. For compliant projects, ISO 20022 brings better system compatibility, lower fraud risk, and stronger connections with global payment networks. As more than 70 countries adopt the standard, ISO-aligned coins may gain wider use and greater trust, especially from institutions.