#CryptoInsights #becomecreator In the U.S., the ISO 20022 standard is already operational in major financial systems (such as Fedwire), creating an environment in which cryptocurrencies with technical support for the new format (XRP, XLM, HBAR, and ALGO) are positioned as potential participants in institutional payments and integrations. Practical adoption by banks still depends on specific integrations with each network/project and partnerships with financial intermediaries.
🔹 XRP (Ripple) is often listed among the leading cryptocurrencies aligned with the standard and already has the technology and solutions that can use data in the ISO 20022 format for cross-border payments.
🚀 Stands out for its closer integration with banks and systems
traditional.
🔹 XLM (Stellar Lumens) Also considered compatible with ISO 20022, designed for low-cost remittances and integration with payment networks following the new standard.
🔹 Hedera (HBAR) Also listed among compatible ones, with a focus on enterprise use cases and interoperability with traditional financial systems. Institutional adoption may increase as more companies linked to Hedera explore ISO 20022 messages.
🔹 Algorand (ALGO) Is seen as compatible, with technology that facilitates integrations with regulated financial systems using ISO 20022. ALGO has particular interest in asset tokenization and CBDCs, which strengthens its institutional use case.
🚀 The XLM
(Stellar), just like XRP, is a strong candidate for institutions focused on payments; its token has a clear purpose emphasizing fast and low-cost remittances between institutions and end users.
XLM was designed from the start to interoperate with traditional financial systems, facilitating the integration of financial messages.
XLM has strong institutional potential, especially in remittances and fintechs,
although its partnerships have historically been smaller than Ripple's.
⚠️ Always do your own research (DYOR).
