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The post ISO 20022 Goes Live: XRP, XLM, HBAR, ALGO, IOTA, XDC Mentioned as Key Utility Chains appeared com. All financial institution-to-institution payment instruction messages must use ISO 20022 exclusively beginning from November 22, 2025. Six cryptocurrencies, including XRP, XLM, HBAR, ALGO, IOTA, and XDC, are positioned as key utility chains for their compatibility with ISO 20022 messaging. The full rollout of the ISO 20022 standard officially began on November 22, 2025. According to an announcement from Swift, the old way of sending payment instructions between banks is officially dead. ISO 20022 Replaces Old SWIFT Messaging System From now on, every single bank-to-bank payment message on the SWIFT network must use the new ISO 20022 standard. This affects cross-border payments, high-value transfers, and systems like those from the Federal Reserve, European Central Bank, and Bank of England. As we mentioned in our previous post, ISO 20022 would enhance data for compliance, improve interoperability, and enable faster settlement capabilities. ISO 20022 is an international standard for electronic data interchange between financial institutions. Essentially, it is a universal language for how banks and payment systems communicate. It replaces the older messaging format used by SWIFT, the backbone of global payments for decades. However, SWIFT messaging is limited in handling detailed data. Still, preparation is key to avoiding rejected messages and operational delays. The provided notice from SWIFT warns of potential disruptions aimed at FIN and FINplus users. All FIN and FINplus users are strongly advised not to send any message from Saturday 15: 00 GMT till Sunday 05: 00 GMT. Users are also urged to consult the SWIFT Knowledge Base for troubleshooting, guides, and contingency plans. XLM, HBAR, ALGO, IOTA, and XDC: Key Utility Chains on ISO 20022 Now that global banks are forced to use the new messaging standard, blockchains like XRP, XLM, Hedera (HBAR), Algorand.