XRP News Update: ADA and XRP Highlighted as ISO 20022 Connectors Amid Ongoing Debate Over Compliance Assertions

XRP and Cardano's

are once again in the spotlight as the November 22, 2025, cutoff for SWIFT’s ISO 20022 transition approaches. Supporters are emphasizing their potential to connect legacy finance with decentralized systems. Charles Hoskinson, who created , has openly associated ADA with other blockchains that meet ISO 20022 standards, such as , , and , . On the other hand, is truly ISO 20022 compliant, pointing out that the standard is about financial messaging systems, not the digital assets themselves.

ISO 20022: Accelerating Blockchain Integration?

The ISO 20022 protocol, created by the International Organization for Standardization, sets a unified structure for financial transactions, moving away from older text formats to data-rich XML/JSON messages. This upgrade is designed to enhance efficiency in global payments, securities processing, and institutional operations, with SWIFT requiring its use throughout the banking sector.

are projected to have adopted ISO 20022, though some central banks and outdated systems are still catching up.

Hoskinson’s support frames ADA as a “bridge asset” that can connect with ISO 20022 systems,

to enable seamless interaction between conventional banks and blockchain platforms. XRP, already integrated into Ripple’s enterprise offerings, has also been , with RippleNet’s APIs specifically built to support ISO 20022 messaging standards.

The Compliance Controversy

Although Hoskinson and Ripple emphasize infrastructure compatibility,

token can be labeled “ISO 20022 compliant.” Vet, a validator on the XRP Ledger, stated on social media that “XRP and ADA are ISO 20022 compliant. No cryptocurrency is,” clarifying that the standard is for messaging platforms, not tokens. Ripple’s alignment with the standard, he added, is due to its enterprise software, not the XRP coin itself.

This distinction is important:

to communicate with traditional finance, but it does not ensure widespread use. For example, Ripple’s solution lets banks send ISO 20022 messages through RippleNet without changing their existing processes, but actual uptake depends on institutional interest and regulatory approval. is still speculative, as there is no direct proof of its involvement in shaping the standard.

Market Trends and Price Outlook

Amid these technical debates,

. As of November 12, 2025, XRP is trading around $2.42, maintaining support levels, and analysts like Ali Martinez believe it could climb to $6 if institutional buying persists. This positive sentiment comes as Ethereum ETFs saw outflows exceeding $107 million on November 11, sparking speculation that funds are shifting into alternatives like XRP. as a significant market trend.

ADA, on the other hand, is under less immediate price pressure but is benefiting from Hoskinson’s strategic efforts.

seeks to broaden ADA’s use in institutional environments, especially for cross-border payments and smart contract-based finance.

Looking Forward

With SWIFT’s deadline drawing near, the future of blockchains aligned with ISO 20022 will depend on their ability to achieve practical adoption. Ripple’s established partnerships and robust solutions give it a head start, while Cardano’s emphasis on regulatory engagement and smart contracts could appeal to institutions. Still,

such as (HBAR) and (ALGO), which are also seeking to establish themselves in the changing financial sector.

Currently, the market is split between hopeful and cautious perspectives. While ISO 20022 provides a pathway for blockchain integration, the real value of XRP, ADA, and similar assets will depend on their ability to deliver practical solutions, not just compelling narratives.

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