XRP: The ISO 20022 Compliant Cryptocurrency That Is Outperforming Bitcoin and Ethereum

A few years ago, the financial messaging standard ISO 20022 by SWIFT was announced, to which some crypto have also conformed.

The ISO 20022 standard, created by SWIFT, aims to standardize the communication of financial information between institutions, facilitating automated communication.

In the crypto world, some currencies have already integrated with this standard, while others are expected to do so in the future.

Among the cryptos that have already integrated with ISO 20022 are XRP, XLM, ADA, HBAR, ALGO, IOTA, XDC, and QNT.

In this article, we will analyze the performance of these cryptos in the bull and bear markets, and also highlight the role of ISO 20022 in their market performance.

Among the cryptocurrencies that have already integrated with the ISO 20022 standard, XRP stands out as the leading cryptocurrency in the world that is compatible with ISO 20022.

If until October 2024 its price was below $0.6, with Trump's victory it first rose to $1.1, and then to $2.7.

In the last few days, it has surpassed $3 for the first time in the last seven years and has moved above $3.2.

It is possible that the boom of XRP in 2025 is also due to the fact that it is the main cryptocurrency in the world compatible with ISO 20022.

Note that the all-time high is still the $3.8 of January 2018, but that was the result of a sensational speculative bubble that in the span of a month made it achieve an incredible +1,400%. During the subsequent bear-market, it fell below $0.2.

The second largest cryptocurrency by market capitalization to be compatible with ISO 20022 is ADA of Cardano.

ADA is also performing well in the bull and bear crypto markets.

In October 2024, its price was below $0.4, but after Trump’s victory, it rose to over $1.2.

However, unlike XRP, the climb has not continued in 2025, at least for now.

It must also be said that the all-time high of $3.1 in 2021 still seems decidedly distant, even if the ISO 20022 effect on ADA during 2025 may not have yet manifested.

Its current price level is only slightly above the peak of 2018, so its situation is different compared to that of XRP.

The market performance of XLM in some ways resembles that of XRP.

Unlike XRP, which at the end of 2020 began to have serious problems with the SEC resolved only last year, XLM recorded its all-time high in 2021, over the 0.9$ mark.

In October 2024, its price was below $0.1, and with Trump's victory, it soared above $0.5. Currently, it is just below that threshold, meaning still a bit distant from the highs of 2021, but not far from the highs of 2018.

HBAR, on the other hand, has only existed since 2019 and has had a different trend.

In fact, the all-time high reached in 2021 is only slightly higher than the recent peak, so much so that its climb could also be directed there.

In October 2024 it was worth less than $0.05, and with Trump’s victory, it marked a real boom that brought it above $0.36. After dropping back to $0.25, during 2025 it seems to have started a new rise, in some ways similar to that of XRP, even if only slightly above the peak of last December.

ALGO and IOTA are still in strong suffering, if analyzed over the course of their entire existence.

ALGO is still at -85% from its all-time highs, and IOTA even exceeds -90%.

However, with the arrival of 2025, they are showing timid signs of a possible recovery.

ALGO has gone from $0.1 to $0.5, although it remains very far from the $3.2 of 2019, while IOTA has gone from $0.1 to $0.4, remaining very far from the $5.7 of December 2017.

In both cases, they are still far from even the peaks of 2021, which nevertheless suggests that in theory they could have significant potential. The problem, however, is that in the long term they seem to be crypto projects decidedly in decline.

QNT is currently at -72% from the highs, while