XRP, ADA, and Stellar Ready for Fedwire Shift

The crypto world is buzzing as Fedwire, the U.S. Federal Reserve’s real-time gross settlement system, officially adopts the ISO 20022 messaging standard on July 14, 2025. This move signals a major shift in how global payments are processed—faster, safer, and more interoperable.

But what does this mean for XRP, Cardano, and other blockchain networks already prepared for ISO 20022? And could it impact the XRP price?

What Is Iso 20022, and Why Does It Matter for Crypto?

ISO 20022 is a global standard for financial messaging, enabling seamless cross-border payments. It allows rich data exchange, enhanced security, and better compliance, making it a critical upgrade for financial institutions worldwide.

With Fedwire ISO 20022 now live, blockchain projects that meet this standard may become top choices for banks and payment systems seeking fast and programmable settlement options.

ISO 20022 Crypto List: Which Coins Are Compliant?

Here are the major cryptocurrencies currently compliant or aligned with ISO 20022 standards:

XRP and Fedwire: A Natural Fit?

With Fedwire ISO 20022 integration now complete, attention has turned to XRP due to its long-standing reputation for enabling real-time, low-cost cross-border transactions. Ripple’s On-Demand Liquidity (ODL) product is already used by major financial players, and ISO 20022 further boosts XRP’s relevance.

Recent on-chain data shows:

• A surge in XRP wallet creation
• Higher transaction volume
• Institutions quietly preparing for blockchain-based cross-border payments

If Fedwire XRP payment integrations are explored by U.S. institutions in the future, it could significantly boost XRP price and adoption.

Cardano in the ISO 20022 Spotlight

Crypto analyst Dan Gambardello emphasized that Cardano (ADA) is among the few fully compliant blockchains. Its decentralization, scalability upgrades (Hydra, Mithril), and new ADA/USD1 trading pair on Bitrue are boosting liquidity and confidence.

According to analysts:

• Ali Martinez expects ADA to rally toward $0.90–$1.20
• Others point to higher lows and volume growth, suggesting a bullish breakout

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Stellar (XLM), Algorand, and Others Gaining Momentum

Stellar (XLM)

• Focuses on stablecoin issuance and low-fee payments
• Seen as a fintech-friendly platform for ISO-compliant solutions

Algorand (ALGO)

• Praised for energy efficiency and institutional-grade performance
• In discussions with multiple central banks for CBDC development

Quant (QNT)

• Connects legacy systems with blockchain
• Positioned as a key player in financial network interoperability

Hedera (HBAR)

• Backed by top firms, focuses on enterprise-grade speed and security
• Suited for high-volume ISO-compliant transactions

What’s Next? A New Era of Crypto-Powered Payments

With ISO 20022 live on Fedwire, this could be a turning point for the XRP price and similar crypto assets. Analysts expect:

• More traditional finance players to adopt blockchain rails
• Institutional interest in ISO 20022 crypto list tokens
• Increasing use of Fedwire-compatible crypto payments

Conclusion

The adoption of ISO 20022 by Fedwire is more than a technical update—it’s a gateway to blockchain-powered finance. Projects like XRP, Cardano, and Stellar are at the forefront, ready to support a new era of instant, secure, and compliant global payments.

If XRP finds its way into future Fedwire payment flows, its price and usage could skyrocket.