ISO 20022 Launch Just Days Away:  XRP, XLM, IOTA, and HBAR Poised for Huge Rally— Why It Could Spark the Next Big Crypto Boom

• The crypto market is expected to significantly benefit from the alignment of certain altcoins, including XRP, XLM, and HBAR, with the ISO 20022 standard, which is set to take effect this month. 
• ISO 20022 would improve interoperability, enhance data for compliance, and enable faster settlement capabilities. 

Several reports have confirmed that the evolution of global payments is expected to take a massive turn this month, November 2025. What this means is that financial institutions will now be required to embrace ISO 20022 as the only format for core payment messaging.

According to a post by “HBAR All In,” the Federal Reserve has even confirmed that its Fedwire Funds Service would adopt ISO 20022.

Fascinatingly, this could be a huge catalyst for the altcoin market resurgence, as some cryptos have already aligned themselves with the future of banking infrastructure. According to the post, Hedera (HBAR) has been mentioned several times in this context for its governance model, enterprise-grade ledger, and focus on institutions and payments.

XRP and XLM are also reported to be eligible since they focus on cross-border payments and banking services. As noted in our earlier discussion, Ripple has already partnered with over 300 financial institutions worldwide due to its reliable and fast international payments.

Also, Marcus Treacher, the ex-head of Ripple’s tech team, has hinted that Ripple has maintained a long-term commitment to ISO 20022 and has made everything ready for compliance, as indicated in our earlier update.

Apart from these, Algorand (ALGO) is effectively aligned due to its low-fee chain with Decentralized Finance (DeFi) and payment focus, as well as its scalability. IOTA, Quant, and Cardano are all reported to be well aligned for this major migration.

As also mentioned in our recent publication, Pi Network is joining these tokens to align with ISO 20022 global financial standards.

Specifically, tokens expected to benefit from this massive change are those that are established as settlement layers, banking rails, or infrastructure bridges. These tokens must be known beyond the usual speculative trading to a higher order of financial infrastructure, while ticking the boxes of “programmable value, regulatory-friendly rails, and modern payments.”

Above all, these tokens must also support cross-border payments, real-world banking use cases, and “data-rich transactions.”

In the long run, these tokens are expected to benefit from a new wave of demand that could spark the next crypto boom.

What Could Change With the ISO 20022

According to HBAR All In, ISO 20022 would significantly improve global payment system interoperability, faster settlement capabilities, and enhanced data for compliance. Not just that. It would ensure that messages are structured with the older “MT” format replaced by the XML-based fields and detailed metadata. This means banks would be able to communicate with each other more seamlessly.

With the migration almost due, “HBAR All In” advises that users keep an eye on all infrastructure announcements, as well as partnerships with real payment rails and banks.

The ISO 20022 transition isn’t just a tech upgrade. It’s the foundation of the next-generation payment network. Tokens that are ready to serve as rails, bridges, or programmatic value layers stand to benefit.