XRP News Today: Ripple Hedera Algorand XDC Gain Ground as ISO 20022 Compliance Drives Blockchain Adoption

Generated by AI AgentCoin World
Sunday, Aug 17, 2025 7:57 am ET2min read
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Aime RobotAime Summary

- Ripple, Hedera, Algorand, and XDC Network are leading ISO 20022-compliant blockchain projects, aligning with global banking standards to enhance cross-border payments and institutional adoption.

- ISO 20022 standardizes financial messaging, enabling faster settlements, interoperability, and transparency, with Ripple pioneering XRP-based real-time liquidity solutions since 2020.

- Hedera’s hashgraph consensus, Algorand’s CBDC focus, and XDC’s hybrid PoS model address scalability, security, and compliance needs for enterprise and trade finance applications.

- U.S. adoption of ISO 20022 via Fedwire on July 14 marks a global milestone, boosting RippleNet’s XRP bridge currency role and accelerating blockchain integration with traditional finance.

- Growing institutional trust in ISO-compliant blockchains is driving market expansion, with Algorand’s $2.3B valuation and partnerships highlighting regulatory-friendly innovation’s potential.

Ripple,

Hedera
,
Algorand
, and XDC Network are emerging as key players in the blockchain space due to their readiness for ISO 20022 compliance, a critical financial messaging standard that is accelerating adoption in global banking systems. These projects are among a small group of cryptocurrencies that align with the requirements of traditional financial institutions, positioning them for expanded use in cross-border payments and institutional applications [1].

ISO 20022 aims to standardize financial communication across institutions, promoting faster settlement times, greater interoperability, and increased transparency.

Ripple
, the first crypto firm to join the ISO 20022 initiative in 2020, has led the transition with its XRP-based cross-border payment solution. Its On-Demand Liquidity model enables real-time transactions by converting fiat to
XRP
and back at the receiving end, reducing the need for pre-funded accounts and enhancing efficiency [2].

Hedera has distinguished itself by building on a hashgraph consensus mechanism, offering high scalability and low operational costs. With enterprise partners like

Google
and
IBM
, and ISO 27001 certification, Hedera is viewed as a secure option for institutions handling sensitive data. Algorand, known for its energy-efficient and regulatory-friendly infrastructure, is also gaining traction, particularly in central bank digital currency (CBDC) and asset tokenization projects [3].

Meanwhile, XDC Network, designed for trade finance and enterprise use, has adopted a hybrid delegated proof-of-stake model to balance confidentiality and compliance. The platform supports asset tokenization and offers subnetworks for confidential transactions, further enhancing its appeal to institutional users [4].

The adoption of ISO 20022 in the U.S. via the Fedwire Funds Service on July 14 marks a significant milestone. This shift aligns the U.S. with global systems like SWIFT and Europe, increasing transaction speed and transparency. RippleNet, designed with ISO 20022 integration, benefits from this transition by using XRP as a bridge currency, even though XRP itself is not ISO 20022 compliant [5].

The broader implications of these developments are evident in the growing trust institutions are placing in blockchain technology. Ripple, Hedera, Algorand, and XDC are now part of a select group of cryptocurrencies positioned to benefit from the global shift toward ISO 20022. With the standard gaining traction, these platforms are well-placed to expand into corporate and consumer markets, particularly in remittances and trade finance.

The Algorand project, for example, has seen a surge in trading activity, with a 24-hour trading volume of $75 million USD and a current market cap of $2.3 billion USD. Analysts suggest that Algorand's emphasis on regulatory compliance and enterprise partnerships makes it a strong contender for further growth as adoption of ISO-compliant digital assets increases [6].

As blockchain platforms continue to align with traditional financial standards, the integration of digital and conventional financial systems is accelerating. Ripple, Hedera, Algorand, and XDC are demonstrating the potential for blockchain to coexist with and enhance global payment infrastructure, signaling a pivotal moment for the industry [7].

[1] Ripple, Hedera, Algorand, and XDC Becomes ISO 20022-Compliant Crypto Projects..., Coin, 2025-07-31

[2] Ripple, Hedera, Algorand, and XDC Becomes ISO 20022-Compliant Crypto Projects..., Coin, 2025-07-31

[3] Ripple, Hedera, Algorand, and XDC Becomes ISO 20022-Compliant Crypto Projects..., Coin, 2025-07-31

[4] Ripple, Hedera, Algorand, and XDC Becomes ISO 20022-Compliant Crypto Projects..., Coin, 2025-07-31

[5] Ripple, Hedera, Algorand, and XDC Becomes ISO 20022-Compliant Crypto Projects..., Coin, 2025-07-31

[6] Latest (ALGO) Algorand News, CoinFi, 2025-08-15

[7] Ripple, Hedera, Algorand, and XDC Becomes ISO 20022-Compliant Crypto Projects..., Coin, 2025-07-31