As financial institutions adopt standardized payment infrastructure, discussions surrounding ISO 20022 have become increasingly prominent within the digital asset industry.
Crypto researcher SMQKE highlighted Ripple’s own documentation and several supporting references, suggesting that the company’s emphasis on ISO 20022 reflects its long-term focus on institutional payments.
SMQKE’s X post also pointed to the XRP Ledger’s alignment with the messaging standard as a factor that could support broader institutional adoption in the future.
According to SMQKE, ISO 20022 is not simply another technical standard but a requirement that financial institutions increasingly consider in modernizing payment infrastructure. The researcher claimed that the standard is so significant that blockchain networks lacking ISO 20022 compatibility, such as Ethereum in its current form, could face obstacles in attracting institutional payment volume.
Ripple’s own documentation emphasizes the importance of ISO 20022.✅
ISO 20022 holds such significance that it could potentially hinder Ethereum’s future adoption as it is not compliant with the standard.❌
Why?
Because ISO 20022 is “critical for INSTITUTIONAL PAYMENT… https://t.co/yhMUsW6Sgs pic.twitter.com/yKgs5Hy1Ud
— SMQKE (@SMQKEDQG) July 11, 2026
Attached References Highlight Ripple’s Focus on Cross-Border Payments
To support the claim, SMQKE shared multiple screenshots from articles and documentation discussing Ripple’s payment infrastructure and its use of XRP in cross-border transactions.
One screenshot showed an article describing Ripple’s partnership with Egypt’s Commercial International Bank (CIB). The article stated that Ripple and CIB collaborated to improve cross-border payments by combining Ripple’s payment technology with XRP to enhance international remittance services. SMQKE presented this as an example of Ripple’s continued focus on institutional payment solutions.
Another attached image came from a publication discussing fintech companies, neobanks, and specialized banks. The highlighted section explained that Ripple belongs to the category of firms specializing in cross-border payment services while using its own cryptocurrency as the basis for clearing transactions. The accompanying illustration outlined Ripple’s payment process, showing XRP serving as a bridge asset between sending and receiving financial institutions.
SMQKE also included another screenshot referencing neobanks and payment providers. The highlighted passage suggests that firms such as Revolut or Ripple could face changes in market dynamics as payment infrastructure evolves, further placing Ripple among established participants in the international payments sector.
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Researcher Says ISO 20022 Is Critical for Institutional Adoption
The central point of SMQKE’s post focused on ISO 20022 itself. The researcher asserted that Ripple’s own documentation identifies the messaging standard as “critical for institutional payment adoption,” arguing that this reinforces Ripple’s long-standing alignment with financial institutions seeking standardized and interoperable payment systems.
Based on that interpretation, SMQKE concluded that blockchain networks designed to support ISO 20022 standards, including the XRP Ledger, stand to benefit as banks and payment providers continue upgrading their infrastructure. The researcher suggested that this alignment could enable compliant blockchain protocols to capture substantial institutional transaction volume over time.
While SMQKE presented these documents as evidence supporting the XRP Ledger’s long-term institutional prospects, the post reflects the researcher’s interpretation of Ripple’s documentation and related industry materials rather than an official forecast regarding future blockchain adoption.
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 advised to conduct thorough 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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