XRP News Today: Fedwire Adopts ISO 20022 Boosting XRP and Crypto Adoption

Fedwire, the U.S. Federal Reserve’s real-time gross settlement system, has officially adopted the ISO 20022 messaging standard, marking a significant shift in global payment processing. This transition, set to take effect on July 14, 2025, aims to enhance the speed, security, and interoperability of financial transactions worldwide.

ISO 20022 is a global standard for financial messaging that facilitates seamless cross-border payments. It supports rich data exchange, enhanced security, and better compliance, making it a crucial upgrade for financial institutions. With Fedwire now compliant with ISO 20022, blockchain projects that meet this standard are poised to become top choices for banks and payment systems seeking fast and programmable settlement options.

Several major cryptocurrencies are already compliant or aligned with ISO 20022 standards. These include XRP, Stellar (XLM), Cardano (ADA), Algorand (ALGO), Quant (QNT), and Hedera (HBAR). Each of these cryptocurrencies has unique use cases that align with the benefits offered by ISO 20022. For instance, XRP is known for its global payments and banking partnerships, while Stellar focuses on stablecoin infrastructure and fintech adoption. Cardano, on the other hand, is recognized for its decentralized apps and scalability focus.

XRP, in particular, is seen as a natural fit for Fedwire due to its reputation for enabling real-time, low-cost cross-border transactions. Ripple’s On-Demand Liquidity (ODL) product is already used by major financial players, and the adoption of ISO 20022 further enhances XRP’s relevance. Recent on-chain data indicates a surge in XRP wallet creation and higher transaction volume, suggesting that institutions are preparing for blockchain-based cross-border payments. If U.S. institutions explore Fedwire XRP payment integrations in the future, it could significantly boost XRP’s price and adoption.

Cardano (ADA) is another blockchain that is fully compliant with ISO 20022. Its decentralization, scalability upgrades such as Hydra and Mithril, and the new ADA/USD1 trading pair on Bitrue are boosting liquidity and confidence in the network. Analysts expect ADA to rally toward $0.90–$1.20, with higher lows and volume growth suggesting a bullish breakout.

Stellar (XLM) is seen as a fintech-friendly platform for ISO-compliant solutions, focusing on stablecoin issuance and low-fee payments. Algorand (ALGO) is praised for its energy efficiency and institutional-grade performance, with discussions ongoing with multiple central banks for CBDC development. Quant (QNT) connects legacy systems with blockchain, positioning itself as a key player in financial network interoperability. Hedera (HBAR), backed by top firms, focuses on enterprise-grade speed and security, making it suited for high-volume ISO-compliant transactions.

With ISO 20022 now live on Fedwire, this transition could mark a turning point for the XRP price and similar crypto assets. Analysts expect more traditional finance players to adopt blockchain rails, leading to increased institutional interest in ISO 20022 crypto list tokens and a growing use of Fedwire-compatible crypto payments. The adoption of ISO 20022 by Fedwire is more than a technical update—it’s a gateway to blockchain-powered finance. Projects like XRP, Cardano, and Stellar are at the forefront, ready to support a new era of instant, secure, and compliant global payments. If XRP finds its way into future Fedwire payment flows, its price and usage could skyrocket.