XRP：符合 ISO 20022 的加密貨幣，性能優於比特幣和以太坊

幾年前，SWIFT 宣布了金融報文標準 ISO 20022，一些加密貨幣也遵守了這個標準。

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

ISO 20022 標準由 SWIFT 創建，旨在標準化機構之間的金融資訊通信，促進自動化通訊。

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

在加密貨幣世界中，一些貨幣已經與該標準集成，而其他貨幣預計將來也會這樣做。

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

已與 ISO 20022 整合的加密貨幣包括 XRP、XLM、ADA、HBAR、ALGO、IOTA、XDC 和 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.

在本文中，我們將分析這些加密貨幣在多頭市場和熊市中的表現，並強調 ISO 20022 在其市場表現中的作用。

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.

在已經與 ISO 20022 標準整合的加密貨幣中，XRP 脫穎而出，成為全球領先的與 ISO 20022 相容的加密貨幣。

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.

如果到 2024 年 10 月價格還低於 0.6 美元，那麼隨著川普的勝利，其價格首先升至 1.1 美元，然後升至 2.7 美元。

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

過去幾天，它七年來首次突破 3 美元，並突破 3.2 美元。

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.

XRP在2025年的繁榮可能也是因為它是世界上相容ISO 20022的主要加密貨幣。

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.

請注意，歷史最高點仍然是 2018 年 1 月的 3.8 美元，但這是聳人聽聞的投機泡沫的結果，在一個月的時間內使其達到令人難以置信的+1,400%。在隨後的熊市中，它跌破了0.2美元。

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

以市值計算，與 ISO 20022 相容的第二大加密貨幣是卡爾達諾的 ADA。

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

ADA 在加密貨幣牛市和熊市中也表現良好。

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

2024年10月，其價格低於0.4美元，但川普獲勝後，價格升至1.2美元以上。

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

然而，與 XRP 不同的是，至少目前來看，2025 年的上漲並未持續。

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.

還必須指出的是，即使 2025 年 ISO 20022 對 ADA 的影響可能尚未顯現，2021 年達到 3.1 美元的歷史高點似乎仍然遙不可及。

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

目前其價格水準僅略高於2018年的峰值，因此其情況與XRP相比有所不同。

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

XLM 的市場表現在某些方面與 XRP 類似。

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.

與 XRP 在 2020 年底開始出現嚴重問題而 SEC 去年才解決的問題不同，XLM 在 2021 年創下了歷史新高，突破了 0.9 美元大關。

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.

2024年10月，其價格低於0.1美元，隨著川普的勝利，其價格飆升至0.5美元以上。目前，它略低於該閾值，這意味著距離 2021 年的高點仍有一點距離，但距離 2018 年的高點不遠。

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

另一方面，HBAR 自 2019 年才存在，並且呈現出不同的趨勢。

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.

事實上，2021 年達到的歷史新高僅略高於最近的峰值，因此其攀升也可能指向那裡。

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.

2024 年 10 月，它的價值還不到 0.05 美元，隨著川普的勝利，它標誌著真正的繁榮，使其突破 0.36 美元。在回落至 0.25 美元後，它似乎在 2025 年開始了新的上漲，在某些方面與 XRP 類似，即使僅略高於去年 12 月的峰值。

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

如果對 ALGO 和 IOTA 的整個存在過程進行分析，它們仍然承受著巨大的痛苦。

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

ALGO 仍處於歷史高點的 -85%，IOTA 甚至超過 -90%。

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

然而，隨著 2025 年的到來，它們顯示出可能復甦的謹慎跡象。

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.

ALGO 的價格從 0.1 美元漲至 0.5 美元，但距離 2019 年的 3.2 美元還很遠，而 IOTA 的價格從 0.1 美元漲至 0.4 美元，距離 2017 年 12 月的 5.7 美元還很遠。

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.

在這兩種情況下，它們仍然距離 2021 年的峰值還很遠，但這表明理論上它們可能具有巨大的潛力。然而，問題在於，從長遠來看，它們似乎是正在衰落的加密項目。

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

QNT 目前距離高點為 -72%，而