XRP：符合 ISO 20022 的加密货币，性能优于比特币和以太坊

几年前，SWIFT 宣布了金融报文标准 ISO 20022，一些加密货币也遵守了该标准。

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

ISO 20022 标准由 SWIFT 创建，旨在标准化机构之间的金融信息通信，促进自动化通信。

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

在加密货币世界中，一些货币已经与该标准集成，而其他货币预计将来也会这样做。

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

已与 ISO 20022 集成的加密货币包括 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，我们将分析这些加密货币在牛市和熊市中的表现，并强调 ISO 20022 在其市场表现中的作用。

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.

在已经与 ISO 20022 标准集成的加密货币中，XRP 脱颖而出，成为全球领先的与 ISO 20022 兼容的加密货币。

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 月其价格还低于 0.6 美元，那么随着特朗普的胜利，其价格首先升至 1.1 美元，然后升至 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.

过去几天，它七年来首次突破 3 美元，并突破 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年的繁荣可能也是因为它是世界上兼容ISO 20022的主要加密货币。

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.

请注意，历史最高点仍然是 2018 年 1 月的 3.8 美元，但这是耸人听闻的投机泡沫的结果，在一个月的时间内使其达到令人难以置信的+1,400%。在随后的熊市中，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.

按市值计算，与 ISO 20022 兼容的第二大加密货币是卡尔达诺的 ADA。

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

ADA 在加密货币牛市和熊市中也表现良好。

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

2024年10月，其价格低于0.4美元，但特朗普获胜后，其价格升至1.2美元以上。

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

然而，与 XRP 不同的是，至少目前来看，2025 年的上涨并未持续。

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.

还必须指出的是，即使 2025 年 ISO 20022 对 ADA 的影响可能尚未显现，2021 年达到 3.1 美元的历史高点似乎仍然遥不可及。

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

目前其价格水平仅略高于2018年的峰值，因此其情况与XRP相比有所不同。

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

XLM 的市场表现在某些方面与 XRP 类似。

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.

与 XRP 在 2020 年底开始出现严重问题而 SEC 去年才解决的问题不同，XLM 在 2021 年创下了历史新高，突破了 0.9 美元大关。

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，其价格低于0.1美元，随着特朗普的胜利，其价格飙升至0.5美元以上。目前，它略低于该阈值，这意味着距离 2021 年的高点仍有一点距离，但距离 2018 年的高点不远。

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，并且呈现出不同的趋势。

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.

事实上，2021 年达到的历史新高仅略高于最近的峰值，因此其攀升也可能指向那里。

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，它的价值还不到 0.05 美元，随着特朗普的胜利，它标志着真正的繁荣，使其突破 0.36 美元。在回落至 0.25 美元后，它似乎在 2025 年开始了新的上涨，在某些方面与 XRP 类似，即使仅略高于去年 12 月的峰值。

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

如果对 ALGO 和 IOTA 的整个存在过程进行分析，它们仍然承受着巨大的痛苦。

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

ALGO 仍处于历史高点的 -85%，IOTA 甚至超过 -90%。

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

然而，随着 2025 年的到来，它们显示出可能复苏的谨慎迹象。

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 的价格从 0.1 美元涨至 0.5 美元，但距离 2019 年的 3.2 美元还很远，而 IOTA 的价格从 0.1 美元涨至 0.4 美元，距离 2017 年 12 月的 5.7 美元还很远。

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.

在这两种情况下，它们仍然距离 2021 年的峰值还很远，但这表明理论上它们可能具有巨大的潜力。然而，问题在于，从长远来看，它们似乎是正在衰落的加密项目。

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

QNT 目前距离高点为 -72%，而