Stay Informed With The ISO20022 Crypto List

Welcome to the world of ISO 20022 cryptocurrency standards, where innovation and compliance converge to shape the future of digital assets. Staying informed is paramount in this dynamic landscape of blockchain technology and cryptocurrencies. Our comprehensive ISO20022 crypto list is your gateway to a wealth of information, providing insights into the latest standards and protocols within the cryptocurrency sphere. 

Whether you’re a blockchain enthusiast, a developer, or a financial institution, this list serves as your indispensable resource for understanding and navigating the evolving world of ISO 20022-compliant cryptocurrencies. Join us as we delve into this exciting realm, where the fusion of ISO 20022 and crypto promises to redefine the financial ecosystem.

ISO20022 Crypto List: At A Glance

What Are ISO Standards?

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ISO standards are international standards developed by the International Organization for Standardization (ISO). They are designed to ensure quality, safety, efficiency, and interoperability across various industries and sectors. The ISO is an independent, non-governmental international organization with a membership of 165 national standards bodies.

Key aspects of ISO standards include:

Quality Assurance: ISO standards help ensure that products and services are safe, reliable, and of good quality. For example, the ISO 9000 family of standards provides guidelines and tools for companies and organizations to ensure that their products and services consistently meet customer’s requirements, and that quality is consistently improved.

Facilitation of International Trade: By standardizing specifications for products, services, and systems, ISO standards help to break down barriers to international trade.

Environmental Impact: Standards like the ISO 14000 family help organizations minimize their environmental impact.

Health and Safety: Standards such as ISO 45001 provide frameworks for improving employee safety, reducing workplace risks, and creating better, safer working conditions.

Technology and Innovation: ISO standards contribute to the development of new technologies by providing consistent frameworks for innovation and ensuring compatibility of new products.

Consumer Protection: By ensuring products and services meet consistent standards of quality and safety, ISO standards protect the interests of consumers.

Global Consensus: The creation of an ISO standard involves a multi-stakeholder process with experts from various countries and sectors, ensuring a global consensus on the standards developed.

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What is ISO20022?

ISO 20022 stands as a global standard for financial messaging, serving as the common language and framework facilitating electronic data exchange between financial institutions and international payment systems such as SWIFT. 

This standard’s overarching objective is to unify and standardize the myriad messaging formats and protocols that different financial systems currently employ. Through the adoption of ISO 20022, financial institutions can streamline their operations, simplifying complexity, and enhancing the precision and dependability of data exchanges.

The adaptability inherent in ISO 20022 renders it applicable to a wide spectrum of financial transactions spanning various industries, including the realm of cryptocurrencies. 

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Cryptocurrency projects that align with ISO 20022 compliance can seamlessly integrate with conventional financial systems, ushering in the principles of blockchain immutability and data decentralization to the financial sector.

It’s important to note that not all institutions have embraced ISO 20022 readiness yet. According to a recent Forbes report, approximately 72% of banks have achieved ISO 20022 compliance. Those institutions that have yet to take the necessary measures have until 2025 to make the transition.

Furthermore, it’s worth clarifying that the term “ISO 20022 compliant coin” can be somewhat misleading. The coin or token itself isn’t inherently compliant. 

Rather, when we refer to a project as ISO 20022 compliant, we mean that it leverages elements of the messaging language outlined by the ISO 20022 standard to facilitate more seamless communication and data exchange between the project’s internal solutions (e.g., Ripple’s payment network) and external financial systems (e.g., SWIFT).

Why is ISO20022 So Critical?

ISO 20022 is considered a critical standard in the financial industry for several reasons:

Unified Messaging Language: ISO 20022 provides a global and standardized messaging language for financial communications. This unification allows for consistent, reliable, and efficient communication across different financial institutions and systems worldwide.

Richer Data Transfer: The standard allows for the transmission of much richer data compared to older systems. This richer data includes more detailed transaction information, which can improve transaction tracking, reporting, and compliance.

Improved Efficiency and Reduced Costs: By adopting a common standard, financial institutions can streamline their processes and reduce the complexity associated with dealing with multiple messaging formats. This standardization can lead to significant reductions in transaction costs and operational risks.

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Enhanced Compatibility and Interoperability: ISO 20022 fosters interoperability between different financial systems and software. This compatibility is essential for international transactions and collaborations, as it allows different systems to communicate seamlessly.

Facilitates Compliance and Regulation: With the detailed and structured data format of ISO 20022, it becomes easier for financial institutions to comply with various regulatory requirements. Enhanced data quality and transparency aid in anti-money laundering (AML) and know-your-customer (KYC) processes.

Scalability and Future-Proofing: ISO 20022 is designed to be scalable and adaptable to future changes in the financial industry. This adaptability ensures that the standard can accommodate new types of transactions and evolving business needs.

Support for Digital Transformation: As the financial industry increasingly moves towards digitalization, ISO 20022 provides a robust framework that supports new technologies like blockchain and real-time payments, enabling a smoother transition into the digital era.

What Should Crypto Companies Consider When Transitioning To ISO20022?

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The migration to the ISO 20022 protocol demands careful consideration of several critical factors by crypto companies. These include

  • Payment Infrastructure Readiness: 

Ensuring that the payment infrastructure is primed to support ISO 20022 is paramount. This involves readiness in terms of hardware and software installations and the capability to transmit and receive messages in the correct format.

  • Regulatory Compliance: 

Organizations must diligently verify that their systems adhere to essential regulatory requirements, including compliance with anti-money laundering laws and other pertinent regulations.

  • Data Security: 

Given the significance of data security in payment and financial transactions, organizations must fortify their systems to ensure robust data protection and safeguard customer information.

  • Implementation Costs: 

The migration to the ISO 20022 protocol can entail substantial costs, necessitating a thorough evaluation of the implementation expenses before deciding on its feasibility.

  • Program Governance and Support: 
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Effective program management is indispensable. This encompasses having a dedicated team, implementing comprehensive monitoring and reporting processes, and providing adequate staff training to ensure seamless support for the program.

  • Strategic Advantages:

It’s crucial for organizations to contemplate the strategic benefits stemming from ISO 20022 implementation, such as heightened efficiency and potential cost savings.

  • Training and Resource Requirements: 

Adequate training for staff members to proficiently utilize the ISO 20022 protocol is imperative. Additionally, access to resources like manuals and helpdesks is essential to facilitate the proper implementation of the protocol.

  • Client Education: 

Ensuring that clients are well-informed about the changes in the payment infrastructure and potential associated risks with ISO 20022 usage is vital. Client education efforts can contribute to reducing the likelihood of fraud and other security concerns.

  • Management of New Data and Data Fields: 
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Organizations embarking on the ISO 20022 migration must be prepared to effectively handle any new data or data fields that may become necessary. This entails having the requisite processes and systems in place to manage and process this additional information effectively.

ISO20022 Crypto List: A Comprehensive Guide

With the increasing adoption of ISO 20022, numerous cryptocurrency projects have recognized its potential benefits and have chosen to integrate this standard, aiming to improve compatibility and operational efficiency. 

Below is a comprehensive roster of ISO 20022 coins and tokens:

  • XRP (XRP)
  • Quant (QNT)
  • Algorand (ALGO)
  • Stellar (XLM)
  • Hedera HashGraph (HBAR)
  • XDC Network (XDC)
  • Verge (XVG)

In the subsequent sections, we will delve into ISO 20022 tokens and coins, exploring the implications associated with the standard’s integration.


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XRP, the native token powering the XRP Ledger, has gained significant recognition in the realm of cross-border payments and remittances. Serving as a bridge currency, XRP plays a pivotal role in enhancing liquidity between various fiat currencies. 

It operates on a consensus algorithm, aiming to provide a more efficient alternative to conventional banking systems.

Given Ripple’s continuous efforts to build a global payment settlement infrastructure, the ISO 20022 standard’s adoption becomes imperative. 

By incorporating ISO 20022, XRP can seamlessly integrate with the existing financial systems, thereby facilitating quicker and more efficient cross-border transactions. This integration also enhances the appeal of XRP as a potential investment.

The key features of XRP include

  • Swift and cost-effective cross-border payments.
  • The XRP ledger’s capability to handle up to 1,500 transactions per second.
  • Utilization of the cost-effective and energy-efficient XRP Ledger Consensus Protocol.
  • Ripple’s establishment of partnerships with a multitude of traditional financial institutions, including Bank of America, Santander Bank, and Intesa Sanpaolo.

Quant (QNT)

iso20022 crypto list

Quant is a blockchain platform renowned for its emphasis on interoperability and the seamless integration of numerous blockchain networks. Leveraging the Overledger protocol, Quant establishes connections and facilitates data exchange among various blockchain ecosystems. 

QNT catalyzes collaboration and innovation, empowering developers and enterprises to construct decentralized applications that engage with multiple blockchains.

Incorporating the ISO 20022 standard, Quant endeavors to elevate its compatibility with traditional financial systems and facilitate the secure exchange of information across diverse networks. ISO 20022 compliance holds the potential to position Quant as a pivotal player in bridging the divide between different blockchain platforms.

The key features of Quant include

  • A blockchain interoperability protocol that fosters communication between disparate blockchain networks.
  • A robust capacity to handle a substantial volume of transactions without compromising performance.
  • Governance by a decentralized consortium of stakeholders.
  • A vibrant community comprising dedicated developers and users.

Algorand (ALGO)

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Algorand stands as a versatile, secure, and decentralized blockchain platform meticulously crafted to cater to financial and non-financial applications. 

Distinguishing itself with a unique proof-of-stake consensus algorithm, Algorand boasts swift transaction confirmation times. The platform is fully equipped to support decentralized applications (dApps) and is furnished with its native cryptocurrency, known as ALGO.

The adoption of the ISO 20022 standard holds the promise of elevating Algorand’s compatibility with traditional financial systems, thus paving the way for seamless integration with established infrastructure. 

This strategic step could catalyze the wider adoption of Algorand’s technology, ultimately attracting a more extensive community of developers and enterprises eager to harness the platform’s capabilities.

The key features of Algorand encompass

  • Expedited and user-friendly payment processing.
  • The ability to create and deploy smart contracts.
  • Robust support for decentralized applications (dApps).
  • Implementation of an energy-efficient proof-of-stake consensus mechanism.

Stellar (XLM)

iso20022 crypto list

Stellar emerges as a blockchain-powered platform meticulously designed to facilitate swift and cost-effective cross-border transactions. Its overarching mission is to bridge financial institutions, extend services to the unbanked, and employ Stellar Lumens (XLM) as its native cryptocurrency. 

Stellar’s core ethos centers on promoting financial inclusion and has forged partnerships with a diverse array of organizations.

With its innate focus on interoperability and forging connections among financial institutions, Stellar is well-positioned to embrace the ISO 20022 standard. 

The integration of ISO 20022 augments Stellar’s capacity to streamline cross-border transactions and enhance its communication channels with traditional financial systems.

The key characteristics of Stellar include

  • Rapid and cost-efficient transaction processing.
  • Deployment of a unique consensus mechanism known as the Stellar Consensus Protocol (SCP).
  • Stellar transactions boast affordability compared to conventional remittance methods, such as wire transfers.
  • Stellar is a platform for constructing decentralized applications, adding to its versatility and utility.

Hedera HashGraph (HBAR)

iso20022 crypto list

Hedera Hashgraph represents a distributed public ledger geared towards delivering swift, secure, and equitable decentralized applications (dApps). Its foundation relies on a distinctive consensus algorithm known as Hashgraph to attain consensus among participants within the network. 

Hedera Hashgraph finds its niche in both the realm of decentralized applications (dApps) and enterprise solutions.

With the ISO 20022 standard, Hedera is poised to bolster its compatibility with traditional financial systems, opening the door to seamless integration of dApps with existing infrastructure. This strategic leap promises to instill greater confidence and garner wider adoption of the Hedera network.

The key attributes of Hedera Hashgraph encompass:

  • The utilization of HBAR as the medium for transaction payments within the Hedera Hashgraph network.
  • The capacity for HBAR token holders to engage in staking activities, yielding staking rewards.
  • Support for smart contracts and decentralized applications (dApps) within the platform.
  • Remarkable energy efficiency, rendering it apt for high-volume applications and environmentally conscious solutions.


iso20022 crypto list

IOTA stands out as a distributed ledger meticulously crafted for the Internet of Things (IoT) ecosystem. It leverages the Tangle, a Directed Acyclic Graph (DAG) structure, to ensure secure and scalable transactions. 

IOTA’s primary mission revolves around enabling feeless microtransactions and facilitating machine-to-machine communication within the IoT realm.

Given the immense data generation by IoT devices, the imperative of interoperability cannot be overstated for effective communication and data exchange. 

Through the ISO 20022 standard, IOTA can establish a framework for standardized and secure data transfers among IoT devices. This strategic move paves the way for the seamless integration of IOTA into the broader IoT infrastructure.

The key attributes of IOTA include

  • Feeless transactions, eliminating the need for transaction fees.
  • A data-oriented design, enables the transfer of both data and value.
  • Quantum-resistant architecture, ensuring security against potential threats from quantum computers.
  • Deployment of a unique consensus mechanism known as the Tangle, setting it apart in the realm of distributed ledger technologies.

XDC Network (XDC)

iso20022 crypto list

XDC Network emerges as a blockchain platform tailored for enterprise-level applications, with a strong focus on facilitating global trade and supply chain finance. 

Powered by the XinFin Hybrid Blockchain protocol, XDC Network extends its reach into sectors, such as finance, supply chain, healthcare, and trade finance. At the heart of its operations lies XDC, the native cryptocurrency utilized for transactions and governance.

By embracing the ISO 20022 standard, XDC Network sets its sights on enhancing interoperability with traditional financial systems and establishing a standardized framework for secure and efficient cross-border transactions. 

This strategic integration positions XDC Network as a dependable and compliant solution for the demands of global trade.

Key characteristics of the XDC Network encompass

  • A hybrid blockchain model, blending the strengths of both public and private blockchains.
  • The capacity to handle up to 2,000 transactions per second, ensuring efficiency in transaction processing.
  • A strong commitment to regulatory compliance, adhering to the requisite standards.
  • The ability to track the movement of goods and materials throughout a supply chain, offering transparency and traceability.

Cardano (ADA)

iso20022 crypto list

Cardano (ADA) emerges as a pioneering blockchain infrastructure, aiming to establish a robust and expandable base for the creation of decentralized applications (dApps) and smart contracts.

Notably characterized by its research-intensive methodology, Cardano focuses on enhancing scalability, sustainability, and cross-platform compatibility, thus overcoming the limitations prevalent in prior blockchain systems.

This platform is structured into two separate layers: the Cardano Settlement Layer (CSL), which handles cryptocurrency exchanges, and the Cardano Computation Layer (CCL), which is responsible for the execution of smart contracts.

The platform utilizes the innovative Ouroboros proof-of-stake consensus mechanism, which guarantees both network protection and energy efficiency. This approach allows participants to gain rewards by staking ADA tokens.

Within the Cardano ecosystem, ADA operates as the fundamental cryptocurrency, serving various functions. It is employed in transaction processes, staking activities, and contributes significantly to the governance of the platform, including participation in voting for proposals and system enhancements.

The primary objective of Cardano is to advance blockchain scalability through its layered architecture, driving innovation and wider application in sectors such as financial services, identity verification, and supply chain management.

In addition, Cardano lays great importance on peer-reviewed scholarly research and strong academic partnerships, aiming to merge theoretical precision with practical application. This strategy is intended to establish a durable and progressive blockchain infrastructure.

Verge (XVG)

iso20022 crypto list

Verge (XVG) is recognized as a digital currency focused on enhancing user privacy and safeguarding the details of transactions. It integrates various privacy-centric protocols, including Tor (The Onion Router) and I2P (Invisible Internet Project), to obscure the details of transaction data and user IP addresses.

This strong focus on privacy bolsters user protection, enabling anonymous transactions without disclosing identities or specific transaction details to external parties.

As part of the movement towards global transaction standardization, Verge, along with other cryptocurrencies, is rapidly advancing towards ISO 20022 compliance. However, it’s important to understand that being ISO 20022 compliant doesn’t necessarily equate to a sound investment choice.

For example, Ripple, despite its compliance, has encountered numerous obstacles that have impacted its perceived investment value, urging investors to proceed with caution. In contrast, Hedera is seen as a promising low-cost cryptocurrency, worthy of investor attention.

A significant development for Verge was the achievement of full ISO 20022 compliance by its native token, XVG, on June 5th. This development is crucial, as it provides XVG a competitive advantage and promotes wider adoption.

Verge distinguishes itself by being the inaugural decentralized Internet of Things (IoT) driven cryptocurrency to reach ISO 20022 compliance.

The collaborative efforts of Voice Life and BlockDudes were instrumental in this accomplishment. Voice Life introduced an innovative approach for distributing passive income to holders of Fractional Non-Fungible Tokens (F-NFTs) through XVG.

Meanwhile, BlockDudes meticulously oversaw the compliance implementation, ensuring a smooth transition.

This achievement closely follows Verge’s acknowledgement as a non-security asset, marking a significant stride in the cryptocurrency domain.

Verge continues to stay true to its vision as an open-source, community-led digital currency, striving to create a bridge between the crypto world and conventional financial systems.


In conclusion, the ISO 20022 Crypto List represents a significant milestone in the world of cryptocurrencies and blockchain technology. It signifies the convergence of traditional financial standards with the innovative and decentralized nature of cryptocurrencies. 

This list opens doors to enhanced interoperability, security, and transparency in the crypto industry. As more cryptocurrencies strive for ISO 20022 compliance, it is likely to foster greater trust, adoption, and integration of digital assets into the global financial infrastructure. 

The ISO 20022 Crypto List marks a step forward in the evolution of cryptocurrencies, promising a future where digital assets seamlessly coexist with traditional financial systems, ultimately benefiting both businesses and consumers.

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