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ISO 20022 Crypto: Top List of Compliant Coins in 2024

Eliman Dambell
Last updated: | 11 min read

As the digital economy evolves, the integration of cryptocurrencies into traditional financial systems becomes more critical. One significant step in this direction is the adoption of ISO 20022, a global standard for electronic data interchange between financial institutions.

ISO 20022 aims to streamline communication and improve the efficiency of financial transactions. Cryptocurrencies compliant with this standard are positioned to play a pivotal role in the future of finance. In this guide, we will explore the top ISO 20022 coins in 2024, discussing their background, objectives, and key features.

List of ISO 20022 Compliant Coins in 2024

Let’s take a look at our ISO 20022 crypto coins list.

  1. XRP (XRP): Digital payment protocol designed for fast and cost-effective cross-border transactions.
  2. Cardano (ADA): Blockchain platform focused on security, scalability, and sustainability through a research-driven approach.
  3. Quant (QNT): Facilitates interoperability between multiple blockchains and enterprise software solutions.
  4. Algorand (ALGO): Blockchain that provides immediate transaction finality, built for scalability and security.
  5. Stellar (XLM): Open-source network for currency payments, enabling efficient cross-border transactions.
  6. Hedera HashGraph (HBAR): A distributed ledger that offers high throughput and low-latency consensus.
  7. IOTA (MIOTA): A ledger built for the Internet of Things (IoT), facilitating secure sales and trading data streams.
  8. XDC Network (XDC): A hybrid blockchain optimized for international trade and finance.

ISO 20022 Crypto Coins Reviewed

Now that you have seen the full list of  ISO20022 crypto coins, let’s examine each one in more detail.

1. XRP (XRP) – Global Cross-Border Payment ISO Crypto

XRP is the native cryptocurrency of the Ripple network, designed to facilitate fast and low-cost global payments. Launched in 2012, XRP has established itself as a leading digital asset for remittances and cross-border transactions, establishing itself as one of the top 10 cryptocurrencies and best ISO coins.

Ripple’s technology allows for quick settlement times, often within 3-5 seconds, and minimal transaction fees compared to traditional banking systems. By adopting the ISO 20022 standard, XRP aims to enhance its integration with global financial systems, improving the efficiency and interoperability of cross-border payments. This alignment with ISO 20022 supports Ripple’s vision of enabling instant and reliable transactions worldwide.

The widespread adoption of XRP by U.S. banks and financial institutions positions it well for future growth as financial systems continue to modernize and require more efficient transaction methods.

Key Features:

  • Fast Transaction Speeds: Transactions settle in 3-5 seconds.
  • Low Fees: Minimal transaction costs compared to traditional banking.
  • Scalability: Can handle 1,500 transactions per second.

2. Cardano (ADA) – Proof-of-stake Blockchain Adopting ISO 20022

Cardano is a proof-of-stake blockchain platform founded by Charles Hoskinson, co-founder of Ethereum. It emphasizes security, sustainability, and scalability, with a strong focus on academic research and peer-reviewed development. Cardano’s layered architecture provides enhanced security and allows for the ongoing development of new features and improvements.

Adopting ISO 20022 standards helps Cardano streamline financial communications and ensure compatibility with existing financial infrastructure. This move supports Cardano’s goal of creating a more secure and sustainable financial ecosystem. By becoming an ISO 20022 crypto, Cardano aims to facilitate smoother interactions with existing financial systems, thereby expanding its use cases and adoption.

Key Features:

  • Proof-of-Stake Consensus: Energy-efficient and secure.
  • Formal Verification: Ensures code correctness and security.
  • Decentralized Governance: Community-driven decision-making.

3. Quant (QNT) – ISO Compliant Crypto & Interoperability Innovator

Quant is a unique blockchain platform that focuses on interoperability between different blockchain networks. Through its Overledger technology, Quant enables seamless communication and transactions across various distributed ledger technologies. This capability is crucial for building interconnected blockchain ecosystems where assets and data can move freely and securely.

Quant’s adoption of the ISO 20022 standard aims to enhance its ability to connect disparate blockchain networks with traditional financial systems, promoting a more interconnected and efficient financial landscape. By leveraging ISO 20022, Quant seeks to provide enterprises with reliable and standardized messaging capabilities, enhancing the efficiency and security of their operations.

Key Features:

  • Overledger Technology: Facilitates interoperability across blockchains.
  • Enterprise Solutions: Tailored for large-scale business applications.
  • Secure and Scalable: Designed for robust performance.

4. Algorand (ALGO) – PPoS High-Performance Blockchain

Another ISO 20022-compliant coin is Algorand, a blockchain platform developed by Turing Award-winning cryptographer Silvio Micali. It focuses on solving the blockchain trilemma by providing a platform that is simultaneously scalable, secure, and decentralized. Algorand’s Pure Proof-of-Stake (PPoS) consensus mechanism ensures that the network remains efficient and robust without sacrificing decentralization.

Aligning with ISO 20022 standards, Algorand aims to improve its financial messaging capabilities and ensure seamless integration with historical financial systems. This alignment supports Algorand’s mission to create a borderless economy where value can be exchanged securely and efficiently across borders. The adoption of ISO 20022 is a strategic move to enhance Algorand’s appeal to institutional users and large enterprises.

ALGO chart

Key Features:

  • Pure Proof-of-Stake (PPoS): Highly secure and energy-efficient consensus mechanism.
  • High Throughput: Capable of processing thousands of transactions per second.
  • Low Latency: Fast transaction finality.

5. Stellar (XLM) –  DeFi Platform Connecting Blockchain to the Real World

Stellar is an open-source, decentralized protocol designed to facilitate inter-regional transactions between any currencies. Launched in 2014 by Jed McCaleb, co-founder of Ripple, Stellar targets connectivities with financial institutions, payment systems, and individuals, enabling efficient and cost-effective financial services. The Stellar network is known for its fast transaction times and low costs, making it ideal for remittances and microtransactions.

In taking on the ISO 20022 standard, Stellar aims to enhance its compatibility with existing financial systems, enabling smoother and more efficient cross-border payments. This integration supports Stellar’s mission to create a global financial infrastructure that is accessible to everyone, reducing the friction and costs associated with historic banking systems.

XLM chart

Key Features:

  • Fast Transactions: Transactions settle in 2-5 seconds.
  • Low Fees: Minimal transaction costs, often less than a penny.
  • Global Access: Designed to be accessible to anyone, anywhere.

6. Hedera HashGraph (HBAR) – Enterprise-Grade Network With ISO Token

Hedera HashGraph is a public distributed ledger that uses a novel consensus algorithm to achieve high throughput and low latency. Unlike traditional blockchains, Hedera’s HashGraph technology allows for faster and more secure transactions, making it suitable for enterprise-level applications. Launched in 2018, Hedera aims to provide a secure and scalable platform for businesses and developers to build decentralized applications (dApps).

Choosing to adopt ISO 20022 protocols enhances Hedera’s ability to integrate global financial systems, ensuring secure and efficient financial messaging. This alignment supports Hedera’s goal of becoming a leading platform for enterprise solutions, providing businesses with a reliable and compliant infrastructure for their digital operations. In 2023, the HBAR token surged by over 200% on news of a Google Clouds partnership.

HBAR chart

Key Features:

  • High Throughput: Capable of processing over 10,000 transactions per second.
  • Low Latency: Fast transaction finality, typically within seconds.
  • Enterprise Focused: Designed for robust, enterprise-level applications.

7. IOTA (MIOTA) – Internet of Things Crypto Facilitating Feeless Transactions

IOTA is a cryptocurrency designed for the Internet of Things (IoT), facilitating secure sales and trading data streams between devices. Unlike traditional blockchains, IOTA uses a unique ledger technology called the Tangle, which enables feeless and highly scalable transactions. Launched in 2015, IOTA aims to be the backbone of IoT, providing a secure and efficient method for devices to interact and transact.

By adopting ISO 20022 standards, IOTA (MIOTA) seeks to enhance its interoperability with financial institutions, ensuring that IoT transactions can be seamlessly integrated into the global financial ecosystem. This compliance supports IOTA’s vision of creating a secure and efficient infrastructure for the growing IoT industry, where billions of devices will need to transact and communicate autonomously.

IOTA chart

Key Features:

  • Feeless Transactions: No transaction fees, ideal for microtransactions.
  • Scalability: Designed to handle a high volume of transactions.
  • IoT Focus: Tailored for the Internet of Things applications.

8. XDC Network (XDC) – Hybrid Blockchain Providing Enterprise Solutions

XDC Network is a hybrid blockchain platform that combines the features of public and private blockchains, providing a versatile solution for enterprises. Launched by XinFin, the XDC Network aims to enhance global trade finance by offering secure, scalable, and cost-effective blockchain solutions. Its hybrid architecture allows for both public and private transactions, catering to the needs of businesses that require confidentiality and compliance.

Adopting ISO 20022 standards helps XDC Network enhance its financial messaging capabilities, ensuring compatibility with the traditional financial sector. This alignment supports XDC’s goal of providing a reliable infrastructure for global trade and finance, making it easier for businesses to integrate blockchain technology into their operations securely and efficiently.

XDC chart

Key Features:

  • Hybrid Blockchain: Combines public and private blockchain features.
  • Scalable and Secure: Designed for enterprise-level applications.
  • Cost-Effective: Low transaction fees and high efficiency.

What is ISO 20022 Crypto?

ISO 20022 is known as the global financial messaging standard for electronic data interchange between financial entities. Seen as the heir apparent to SWIFT, it provides a common language and model for financial messages, enabling better interoperability between various financial systems.

When it comes to cryptocurrencies, being ISO 20022 compliant means that a crypto asset adheres to this standard, facilitating smoother integration with traditional financial systems and enhancing transaction efficiency. ISO 20022 aims to streamline communication, reduce errors, and improve the speed and security of financial transactions. Adopting this standard can enhance cryptocurrencies’ utility and acceptance within the global financial ecosystem.

The Benefits of ISO 20022 for Crypto

There are numerous benefits to being ISO tokens beyond potential adoption by mainstream and traditional financial institutions. These benefits include improved quality of data, interoperability, transaction speeds, and overall regulatory compliance.

Enhanced Data Quality

One of the primary benefits of ISO 20022 compliance is the significant improvement in data quality. This standard ensures that financial messages contain more detailed and structured information, reducing ambiguities and errors. For cryptocurrencies, this means transactions can be more transparent and easier to audit, fostering greater trust and reliability.

Interoperability with Financial Systems

Beyond data quality, ISO 20022 enhances interoperability between different financial systems. Cryptocurrencies that adopt this standard can seamlessly integrate with traditional banking systems, facilitating smoother cross-border payments and financial operations. This interoperability is crucial for broader adoption, as it bridges the gap between decentralized crypto assets and centralized financial institutions.

Faster Transactions

The standardized messaging format of ISO 20022 can lead to faster transaction processing times. By providing clear and concise information, the standard reduces the need for manual intervention and decreases the chances of delays. For cryptocurrencies, this can translate into quicker confirmation times and more efficient transaction flows, enhancing user experience and operational efficiency.

Regulatory Compliance

Lastly, ISO 20022 compliance helps cryptocurrencies align with regulatory requirements. As financial regulators worldwide adopt this standard, crypto assets adhering to ISO 20022 can more easily comply with legal and regulatory frameworks. This alignment can enhance the legitimacy and acceptance of cryptocurrencies, opening doors to institutional investments and broader market participation.

ISO200222 logo

Disadvantages of ISO 20022 for Crypto

While there are several advantages to adopting this standard and being on the Federal Reserve ISO 20022 crypto-list, there are also some downsides.

Complexity of Implementation

Implementing ISO 20022 standards can be complex and challenging. The standard requires detailed and structured financial messaging, which can be difficult to integrate into existing crypto systems. This complexity can pose significant technical hurdles for developers and may require extensive resources to implement effectively.

Cost of Adoption

The adoption of ISO 20022 can be costly. Financial institutions and crypto platforms may need to invest in new infrastructure, software, and training to comply with the standard. These costs can be substantial, particularly for smaller crypto projects, potentially hindering their ability to adopt ISO 20022 fully. This has been apparent within the wider financial community, with the overall adoption rate for the ISO 20022 standard lagging at 18%, according to research from EY.

Increased Regulatory Scrutiny

While ISO 20022 compliance can enhance regulatory alignment, it also brings increased scrutiny. Cryptocurrencies adhering to this standard may face more rigorous oversight from regulators, which could impose additional compliance burdens. This heightened scrutiny might deter some projects from pursuing ISO 20022 compliance, particularly those seeking to maintain a higher degree of operational flexibility.

Is ISO 20022 Crypto a Good Investment?

Investing in ISO 20022-compliant cryptocurrencies can be a promising strategy. These assets are better positioned to integrate with traditional finance, potentially leading to broader adoption and increased utility. The enhanced data quality, faster transactions, and regulatory alignment associated with ISO 20022 can make these cryptocurrencies more attractive to institutional investors and mainstream users.

However, investors should also consider the potential challenges and costs of implementing this standard and conduct thorough research before making investment decisions. XRP, the most prominent of these tokens, has a market cap of nearly $30 billion. Despite this, the crypto is 85% below its peak price, so if you were to make an ISO 20022 coins price prediction, it is possible that it still has some upside.


ISO 20022 compliance represents a significant step forward for cryptocurrencies, offering numerous benefits such as enhanced data quality, interoperability, faster transactions, and regulatory compliance. While there are challenges associated with implementing this standard, the potential advantages make ISO 20022-compliant cryptocurrencies a compelling option for investors and users alike.

As the financial industry continues to evolve, the adoption of ISO 20022 could play a crucial role in bridging the gap between traditional financial systems and the emerging world of digital assets.


How many ISO 20022 coins are there?

There are several ISO 20022 compliant coins, including XRP, Cardano, Quant, Algorand, Stellar, Hedera Hashgraph, IOTA, and XDC Network.

Which coins are ISO 20022?

ISO 20022 compliant coins include XRP, Cardano, Quant, Algorand, Stellar, Hedera Hashgraph, IOTA, and XDC Network.

Is XRP an ISO 20022 coin?

Yes, XRP is an ISO 20022 compliant coin.

What is ISO 20022 replacing?

ISO 20022 is replacing various older financial messaging standards such as SWIFT.

Is ISO 20022 a big deal?

Yes, ISO 20022 is a big deal because it enhances interoperability, data quality, and efficiency in financial transactions. It can also help integrate cryptocurrencies with the traditional finance system.


  1. Ripple says US banks will want to use its systems (CNBC)
  2. What is Cardano? The green cryptocurrency  (The Independent)
  3. Google Cloud adopts Hedera HashGraph (Fortune)
  4. Adoption of ISO 20022 falling behind estimates (EY)