In a major leap toward modernizing the U.S. financial system, the Federal Reserve today, July 14, 2025, is officially transitioning trillions of dollars in daily transactions on its Fedwire Funds Service to the ISO 20022 messaging standard.
This development marks a new era of global financial messaging and has reignited discussion around the potential role of XRP in this next-generation infrastructure, a point strongly emphasized by crypto influencer JackTheRippler in a widely circulated post on X.
Fedwire Embraces ISO 20022
The transition, described by the Federal Reserve as a “big bang” implementation, moves the Fedwire Funds Service from its outdated FAIM format to the modern ISO 20022 XML-based standard. The upgrade introduces richer, more structured transaction data, enabling faster, more secure, and more transparent financial messaging across institutions.
🚨BREAKING: The Federal Reserve will shift trillions of dollars in payments to the new ISO 20022 standard on Monday!
💥#XRP WILL PLAY A KEY ROLE💥 pic.twitter.com/K2fo6oE4nD
— JackTheRippler ©️ (@RippleXrpie) July 13, 2025
With Fedwire processing roughly $4.7 trillion in daily payments, the implications of this shift are monumental for U.S. banks and their global counterparts.
After years of planning and a rescheduled timeline, every institution connected to Fedwire is now required to send and receive ISO-compliant messages. The new format improves straight-through processing, simplifies compliance checks, and enhances cross-border compatibility, especially important as global financial institutions converge on ISO 20022 as a universal standard.
The XRP Connection: Infrastructure Meets Opportunity
While ISO 20022 itself is a messaging format, not a payment method, crypto proponents have long anticipated that certain digital assets will gain prominence under the new framework. Among them, XRP stands out.
Ripple, the company behind XRP, became a member of the ISO 20022 Standards Body in 2020. Since then, it has tailored its RippleNet infrastructure to align with ISO standards. This readiness positions XRP as a potential bridge asset for institutions seeking efficient settlement solutions within ISO-native ecosystems.
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As JackTheRippler pointed out, XRP’s speed, low cost, and compatibility with tokenized payments make it uniquely suited for institutions looking to modernize cross-border transfers. Though XRP is not ISO 20022 “compliant” in the technical sense, since compliance refers to messaging formats, not currencies, it operates within networks built to support those standards. This makes XRP highly relevant to the future of digital payments under ISO 20022.
Market Expectations and Institutional Interest
Anticipation around today’s transition has fueled speculation within the XRP community. In recent weeks, analysts have suggested that XRP could benefit from increased institutional adoption, with reports of a $300 million XRP reserve purchase further stoking enthusiasm.
Although today’s Fedwire upgrade does not explicitly integrate XRP, it lays the foundation for blockchain-based assets to become more deeply embedded in financial plumbing. XRP, as a settlement token in ISO-ready systems like RippleNet, could see growing utility as banks and fintech firms seek faster and more interoperable solutions.
The Federal Reserve’s adoption of ISO 20022 marks a watershed moment in the evolution of the global financial system. While the focus is on messaging, the ripple effects could extend far beyond. JackTheRippler’s callout highlights the broader narrative: XRP is no longer just a speculative asset; it’s increasingly seen as an integral part of tomorrow’s financial infrastructure.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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