A recent post on X created new interest in XRP after crypto pundit XRP Update (@XrpUdate) shared an image from CoinMarketCap. The snap showed a new category called ISO 20022 coins, with XRP in the first position.
The post placed clear focus on XRP’s spot in the category. He noted that the asset is leading the pack. The update arrived at the same time as the global ISO 20022 shift. Many market participants want to understand how digital assets may connect to that change.
BOOOOOOOOOOOM 💥
CoinMarketCap just activated an ISO 20022 category… and guess who’s sitting at the top? 👑$XRP leading the pack EXACTLY where it belongs.
The migration is here. The shift is real. 🌐 pic.twitter.com/Ki7dDl5C2Z
— XRP Update (@XrpUdate) November 22, 2025
The Transition to ISO 20022
ISO 20022 is a modern messaging standard for financial transactions, including payments. Banks and payment providers are transitioning from older MT messages to new MX messages, which carry more structured data. This move improves payment accuracy to build a clear format for instructions, account details, and reporting.
SWIFT’s deadline for this transition was November 22. This transition is expected to continue across the financial world. Banks must adopt the new format to avoid failed messages. Many experts now see this transition as XRP’s path into the global monetary system.
ISO 20022 and XRP
The standard does not alter how a blockchain works. It only affects how institutions send and receive payment messages. Ripple built its technology to match ISO 20022 requirements. RippleNet can send messages that follow the new format, which prepares the system for banks that complete their migration.
XRP itself is not ISO 20022 compliant. No cryptocurrency is. However, the compliance of Ripple’s systems creates a path for XRP to move within financial systems that use the standard. It also supports possible interaction with SWIFT-linked networks that expect ISO 20022 messaging.
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XRP’s Role Within Payment Networks
Ripple developed its tools to help institutions move money across borders speedily and at low cost, while XRP was built to solve the global payment problem for banks. These tools can use XRP as a bridge asset. When banks use Ripple’s technology, they can send ISO 20022-ready messages, which helps them stay aligned with global standards.
This gives XRP a possible place in future payment flows. It also explains why the asset stands out when people discuss the shift to structured messaging. XRP Update’s post highlighted the asset’s position at the top of CoinMarketCap’s new category.
The image also showed several other tokens. Stellar (XLM), Hedera (HBAR), Internet Computer (ICP), Algorand (ALGO), and Quant (QNT) make up the list. These networks each build features that support enterprise or payment activity. However, XRP is the closest asset to ISO 20022 compliance, which explains its position at the top.
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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