ISO 20022 Crypto: Top List of Compliant Coins in 2026
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As of 2026, the main ISO 20022-ready cryptos are XRP, ADA, QNT, ALGO, XLM, HBAR, IOTA, and XDC. These coins are built to plug into existing bank rails, so they can carry payment data in the same format banks already use.
That matters because more cryptocurrencies now touch traditional finance, especially for cross-border transfers. ISO 20022 is the common language that keeps these payments structured, secure, and easier to track across borders and systems.
By the end of 2026, ISO 20022 is expected to exceed faster payment system (FPS) adoption, reaching around 84% across real-time gross settlement (RTGS) systems, showing how central it is for modern payments. Below, we break down 2026’s main ISO 20022 coins, their roles, and how projects like XRP, Cardano, and Quant aim to support the next wave of digital money.
Top ISO 20022-Ready Cryptos (2026 Status)
The top ISO 20022-compliant coins mainly consist of layer 1 blockchains and other forms of digital ledger technology, such as directed acyclic graphs (DAGs). Here are the top picks for 2026 summarized.
- XRP: Member of the ISO 20022 Registration Management Group (RMG), supporting direct settlement with ISO 20022 systems.
- Cardano: Lacks official RMG involvement or native messaging.
- Stellar: Compliant and participates in ISO 20022 RMG.
- Hedera: No RMG membership or direct ISO messaging features.
- Quant: Compatible with Overledger acting as the “translation layer” for institutional ISO messaging.
- Algorand: No official compliance, but has the potential for integration.
- IOTA: Compatible as it focuses on IoT/microtransactions over full banking standards.
- XDC Network: Compliant, designed for ISO 20022 trade finance with native messaging support.
- In This Article
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- 1. XRP (XRP) – Global Cross-Border Payment ISO Crypto
- 2. Cardano (ADA) – Proof-of-Stake Blockchain Adopting ISO 20022
- 3. Stellar (XLM) – Open Network for Low-Cost Global Money Transfers
- 4. Hedera Hashgraph (HBAR) – Enterprise-Grade, ISO-Compliant DLT With Governance
- 5. Quant (QNT) – ISO Compliant Crypto and Interoperability Innovator
- 6. Algorand (ALGO) – Efficient and Secure Blockchain for Global DeFi
- 7. IOTA (IOTA) – Scalable Ledger for IoT Fee-free Transactions
- 8. XDC Network (XDC) – Hybrid Blockchain for Enterprise-Grade Finance
- In This Article
-
- 1. XRP (XRP) – Global Cross-Border Payment ISO Crypto
- 2. Cardano (ADA) – Proof-of-Stake Blockchain Adopting ISO 20022
- 3. Stellar (XLM) – Open Network for Low-Cost Global Money Transfers
- 4. Hedera Hashgraph (HBAR) – Enterprise-Grade, ISO-Compliant DLT With Governance
- 5. Quant (QNT) – ISO Compliant Crypto and Interoperability Innovator
- 6. Algorand (ALGO) – Efficient and Secure Blockchain for Global DeFi
- 7. IOTA (IOTA) – Scalable Ledger for IoT Fee-free Transactions
- 8. XDC Network (XDC) – Hybrid Blockchain for Enterprise-Grade Finance
- Show Full Guide
Alternatives to ISO 20022-Compliant Coins – Editor’s Pick
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Top ISO 20022 Crypto Coins Reviewed
ISO 20022 coins are cryptocurrencies that align with the ISO 20022 financial messaging standard to create interoperability between blockchain and traditional finance institutions.
ISO 20022 is a messaging standard, and it doesn’t represent a regulatory body or certify individual coins. The coins in this list are not certified, but they have simply built their infrastructure to implement ISO 20022 standards.
1. XRP (XRP) – Global Cross-Border Payment ISO Crypto
- 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.
XRP is Ripple’s native cryptocurrency. It debuted in 2012 to enable fast, low-cost cross-border payments (i.e., remittances). It’s a top-five cryptocurrency by market cap. In 2020, 
XRP 10.31% became the first blockchain company to join the ISO 20022 standard. Meanwhile, as mentioned, RippleNet is the first and still the only decentralized platform to be a member of the ISO Registration Management Group.
XRP settles payments in 3-5 seconds — orders of magnitude faster than traditional banks.
With ISO’s 20022 shift to richer, more structured messaging and SWIFT’s full migration in November 2025, settlement windows can shrink from days down to just minutes, or even less. In 2026, XRP is expected to benefit from 90% projected ISO 20022 transaction adoption thanks to Ripple’s newly-built institutional tools like custody stacks and RLUSD stablecoin.
2. Cardano (ADA) – Proof-of-Stake Blockchain Adopting ISO 20022
- Proof-of-Stake Consensus: Secure and saves energy.
- Formal Verification: Keeps code correct and secure.
- Decentralized Governance: Allows for decisions to be made by the community.
Founded by Charles Hoskinson, Cardano is a blockchain that uses Proof of Stake consensus. He built it with a strong focus on academic research and peer-reviewed development. 
ADA 5.94%‘s architecture provides security and allows for the ongoing development of new features and upgrades.
Adopting ISO 20022 standards helps Cardano streamline financial communications and creates compatibility with existing financial infrastructure (e.g., banks, credit, etc.). This move supports Cardano’s goal of creating a more secure and sustainable financial ecosystem.
3. Stellar (XLM) – Open Network for Low-Cost Global Money Transfers
- 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.
Stellar is an open-source, decentralized blockchain that facilitates inter-regional transactions between multiple currencies. It is known for its fast transaction times and low costs. Jed McCaleb, co-founder of Ripple, launched it in 2014. 
XLM 6.53% targets connectivity with financial institutions, payment systems, and individuals. This will enable efficient and cost-effective financial services.
In taking on the ISO 20022 standard, Stellar aims to enhance its compatibility with existing financial systems. This integration supports Stellar’s mission to create a global financial infrastructure that is accessible to everyone, including the unbanked. As a result, it aims to reduce the friction and costs historically associated with banking systems.
4. Hedera Hashgraph (HBAR) – Enterprise-Grade, ISO-Compliant DLT With Governance
- 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.
Hedera is a distributed ledger that uses directed acyclic graph (DAG) based technology, rather than a blockchain. Unlike blockchains, 
HBAR 4.69% technology allows for faster 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).
Hedera adopting ISO 20022 will allow for improved integrations with finance systems. It will also support its goal of being the top enterprise platform for digital operations. With a market cap of over $4.43B, Hedera is seeing increasing adoption by large institutions like IBM, Boeing, and NASA.
5. Quant (QNT) – ISO Compliant Crypto and Interoperability Innovator
- Overledger Technology: Facilitates interoperability across blockchains.
- Enterprise Solutions: Tailored for large-scale business applications.
- Secure and Scalable: Designed for robust performance.
Quant is a unique blockchain whose use case focuses on interoperability between different blockchain networks. Through its Overledger technology, QNT 5.72% lays the foundation for communication and transactions across various distributed ledger technologies. This capability is important for building interconnected blockchain ecosystems where assets and data can move freely and securely.
Quant’s adoption of the ISO 20022 standard aims to strengthen its ability to connect blockchain networks with traditional financial systems. By leveraging ISO 20022, Quant seeks to provide enterprises with reliable and standardized messaging capabilities that seamlessly integrate with blockchain technology, using familiar systems.
6. Algorand (ALGO) – Efficient and Secure Blockchain for Global DeFi
- 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.
Another ISO 20022-compliant coin is Algorand. Turing Award-winning cryptographer Silvio Micali developed Algorand to solve the blockchain trilemma. 
ALGO 6.38%‘s Pure Proof-of-Stake (PPoS) consensus mechanism ensures that the network remains secure without sacrificing decentralization.
By aligning with ISO 20022 standards, Algorand offers the opportunity to integrate with traditional financial systems. This, in turn, supports Algorand’s goal to create a borderless world that allows for value exchange among users. In this case, adopting ISO 20022 is a strategic move that will enhance Algorand’s appeal to institutional users and large enterprises.
7. IOTA (IOTA) – Scalable Ledger for IoT Fee-free Transactions
- Fee-less 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.
IOTA is a cryptocurrency designed for the Internet of Things (IoT). It supports secure communication for sales and trading data streams between devices. Unlike traditional blockchains, 
IOTA 10.33% uses a unique ledger technology called the Tangle. It is built in a way that supports feeless and highly scalable transactions.
If IOTA adopts ISO 20022 standards, it will be able to improve its interoperability with everyday devices. This will allow for seamless IoT transactions integration into the global financial system. Also, this compliance supports IOTA’s goal to create a more secure and efficient infrastructure for the IoT industry, allowing billions of devices to transact and communicate.
8. XDC Network (XDC) – Hybrid Blockchain for Enterprise-Grade Finance
- Hybrid Blockchain: Combines public and private blockchain features.
- Scalable and Secure: Designed for enterprise-level applications.
- Cost-Effective: Low transaction fees and high efficiency.
XinFin launched the XDC Network. 
XDC 7.73% aims to enhance global trade finance through cost-effective blockchain solutions. It has a hybrid architecture that allows both public and private transactions, which caters to businesses that require confidentiality and compliance.
Adopting ISO 20022 standards helps XDC Network with adoption in the traditional financial sector. Simultaneously, 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.
ISO 20022 Compliant Coins in 2026 Compared
Here’s a quick comparison of key ISO 20022-compliant coins and what sets each one apart.
| Coin | Price | Market Cap | Definition | ISO 20022 Status* |
|---|---|---|---|---|
| XRP | $1.43 | $143.37B | Bank-focused cross-border payment ledger | Compatible / integrated |
| Cardano | $0.28 | $12.67B | Research-driven smart contract blockchain | Compatible / integrating |
| Stellar | $0.16 | $8.27B | Cross-border payments and remittances network | Compatible via partners |
| Hedera | $0.088 | $4.43B | Hashgraph-based enterprise DLT network | Compatible / integrating |
| Quant | $63.12 | $939.31M | Interoperability layer for institutions | Overledger maps to ISO 20022 |
| Algorand | $0.10 | $850.41M | Fast, low-cost transactions | Compatible / integrating |
| IOTA | $0.12 | $456.43M | DAG network for IoT payments | Compatible / integrating |
| XDC Network | $0.033 | $1.27B | Hybrid chain for trade finance | ISO 20022-compliant messaging |
*Per recent technical overviews, these networks and/or their middleware support ISO 20022–compatible messaging and integrations with banks and payment systems, rather than being “ISO-certified coins” themselves.
What is ISO 20022 Crypto?
An ISO 20022 cryptocurrency is a coin that can “speak the same language” as banks and payment systems that use the ISO 20022 standard.
Think of old payment messages like handwritten letters: messy, different formats, easy to misunderstand. ISO 20022 is like switching to clear, standardized emails that every bank can read in the same way. Coins that support this format can plug more easily into bank rails and cross-border payments.
Here’s a quick breakdown of the adoption of the ISO 20022 timeline:
While the ISO 20022 doesn’t certify coins, it defines hundreds of message types, each built around XML/JSON data dictionaries. If a cryptocurrency implements these message types, it can communicate more easily with traditional banks.
Some of the most important message types include:
- pacs.008, or “Customer Credit Transfer”: This is the main “send money” message in ISO 20022, being used for retail bank-to-bank payments and cross-border SWIFT transfers. The message includes key fields like debtor/creditor identifiers, structured addresses, purpose codes, and remittance information.
- pacs.009, or “Financial Institution Credit Transfer”: This message is used for bank-to-bank wholesale payments, often integrated by central banks and high-value payment systems. Any crypto infrastructure seeking to handle CBDC settlements or establish institutional rails must understand this message type.
- camt.053, or “Bank-to-Customer Statement”: This is a bank account statement in ISO 20022 format. It usually includes opening and closing balances, fees, all posted transactions, and references. A blockchain seeking to integrate with banks has to map wallet or custodial balance into a structure compatible with camt.053.
The ISO 20022 protocol is designed to streamline communication, reduce errors, and improve the overall speed and security of financial transactions. Adopting this standard can improve cryptocurrencies’ utility and acceptance within the global financial ecosystem.
Of the ISO 20022-compliant coins listed above, RippleNet — the network associated with XRP — is the only decentralized protocol to be part of the ISO Registration Management Group, along with entities like the Bank of England, the European Central Bank, Visa, and MasterCard.
By adopting ISO 20022 standards, the coins in this list consider themselves as extensions of the financial system that’s already in place.
SWIFT ISO 20022 Migration: What You Need to Know
SWIFT’s full migration to ISO 20022 took effect in November 2025. This shift replaces legacy MT messages with a much richer MX format that enables fast and transparent payments.
So far, only XRP is known to be directly involved with the standard. It has worked with banks testing ISO 20022-based cross-border flows.
The remaining coins in our list are ISO-aligned and not officially tested within the messaging environment.
How Will ISO 20022 Change Crypto?
ISO 20022 is expected to have a positive impact on compliant crypto projects. While it doesn’t attest to the legitimacy of a crypto project, blockchain protocols that institute this standard may have a better chance at gaining adoption in existing systems.
Because ISO 20022 establishes a standard for certain financial messaging, compliant protocols will easily interface with traditional finance. This could transpire to sending cryptocurrency directly from your bank account, using a crypto debit or debit card at the grocery store, and so on.
Moreover, while most crypto assets are already borderless, ISO-compliant digital assets could benefit from the standard’s acceptance across over 70 countries, expanding their global reach. Experts believe that ISO coins will attract both institutional and retail investors due to their increased safety.
Digital Token Identifiers (DTIs) and Their Role in ISO 20022 Integration
Even though they are not part of ISO 20022, Digital Token Identifiers (DTIs) play a supporting role in helping crypto work better with traditional finance.
Simply put, a DTI is a cryptocurrency’s ID number. Similar to stocks and bonds, which have codes that banks can use to track them, DTIs give crypto standard identifiers to make it easier to deal with the assets. Banks, regulators, and payment systems will easily recognize and work with these digital assets. For example, XRP’s DTI is L6GTZC9G4, while Bitcoin’s DTI is 4H95J0R2X.
When a coin gets assigned a DTI, it can gain trust, be taken more seriously, and be more compatible with global finance systems.
Also, new DTIs can help authenticate crypto transfers using ISO 20022 standards. This adds a layer of security and clarity to transactions.
The Benefits of ISO 20022 for Crypto
Being an ISO token brings a lot of benefits to the token beyond the possibility of wider adoption, including 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. Because it ensures a unified dictionary and schema for crafting messages, it reduces the potential for errors when passing messages between institutions. For cryptocurrencies, this means transactions can be more transparent and easier to audit.
🤑 Interoperability with Financial Systems
ISO 20022 improves interoperability among different financial systems, which allows assets to integrate with traditional banking systems. This will result in the possibility of interactions between not only institutions but also different nations.
🏃 Faster Transactions
ISO 20022’s standardized messaging format can also allow for faster transaction processing times. Since it provides clearer and concise information, the standard reduces the need for intervention if mistakes are present and decreases the chances of delays.
This can result in quicker confirmation times and much more efficient transaction flows for value transfers, thereby enhancing user experience and operational efficiency.
🔧 Regulatory Compliance
Lastly, ISO 20022 compliance also helps crypto assets align with regulatory requirements. As financial regulators worldwide are beginning to adopt this standard, crypto assets following ISO 20022 can more easily comply with legal and regulatory frameworks.
This alignment can improve the legitimacy and acceptance of cryptocurrencies, which will open doors to institutional investments and market participation.
Disadvantages of ISO 20022 for Crypto
Even though adopting this standard comes with great benefits, it also comes with significant disadvantages worth keeping an eye out for, including:
🛠️ Complexity of Implementation
Implementing ISO 20022 standards can be a bit challenging for systems. The standard requires very detailed and structured financial messaging and file formats, which can be challenging to integrate into already existing crypto systems. This might create technical hiccups for developers and will likely also need great resources to implement effectively.
💲 Cost of Adoption
Switching to ISO 20022 is expensive. Banks, payment providers, and even crypto platforms might need to get new systems and staff training to meet the standard. For smaller projects, these costs could create major barriers.
🤓 Increased Regulatory Scrutiny
While ISO 20022 compliance can enhance alignment with regulatory bodies, it also increases scrutiny. Cryptocurrencies adhering to this standard may face more rigorous oversight from regulators, which could conflict with decentralized protocols.
This heightened scrutiny might deter some projects from pursuing ISO 20022 compliance, particularly those seeking to maintain operational flexibility.
Are ISO 20022 Coins a Good Investment?
The primary goal of ISO-compliant crypto projects is to establish a secure and efficient infrastructure for payments and other financial operations, thereby making them less speculative and more focused on long-term utility.
However, adopting the ISO standard can be a bullish signal for crypto assets, as the move can lead to increased demand and interest from institutional investors.
As a result, ISO coins could offer strong potential for long-term investment.
How Do I Buy ISO 20022 Coins?
There are several ways to buy ISO 20022-compliant coins, depending on your preferences and experience level. One of the easiest ways to do this is through Best Wallet, which supports XRP, ADA, and other ISO 20022 coins, although not all of them.
The great thing about Best Wallet is that it offers the swap feature directly in the app by connecting with major decentralized exchanges (DEXs).
Unlike major crypto exchanges like Coinbase, Best Wallet gives you full custody and control over your assets.
Here is a quick guide on how to buy ISO coins with Best Wallet:
Step 1: Download Best Wallet
Search for Best Wallet on the Google Play Store or Apple App Store and install it for free.
Step 2: Set Up and Secure Your Wallet
Open the app, set it up based on instructions, and secure it by enabling two-factor authentication (2FA).
Step 3: Fund Your Wallet
If you hold USDC, USDT, or ETH, you can deposit them into Best Wallet to swap for ISO coins. You can transfer crypto from another wallet or purchase it directly in the app with your credit card.
Step 4: Find ISO Coins
Find the ISO coins of interest in the wallet’s search box or by scrolling through the supported cryptocurrencies.
Step 5: Buy the Token
After selecting the crypto coin, you can initiate the purchase. Best Wallet will connect to a DEX like Uniswap, offering the best rates. If you want to buy ISO 20022 coins that are not supported on Best Wallet, you can do so through a centralized crypto exchange like Coinbase or Binance.
ISO 20022 Myths Busted
On the table below, check the myths and facts about ISO 20022 coins:
| ❌ Myth | ✅ Fact |
|---|---|
| Aligning with ISO 20022 means banks approve a coin. | It’s a messaging standard, not an endorsement or investment rating. |
| ISO 20022 coins are regulated and endorsed by governments. | ISO 20022-compliance means the crypto project can structure messages in a specific format, not that it’s licensed or endorsed by any government. |
| ISO 20022-compliant cryptocurrencies are guaranteed to succeed. | Compliance can improve the coin’s integration into traditional finance, but market dynamics and project fundamentals still drive its performance. |
| ISO 20022 means instant crypto adoption by SWIFT. | SWIFT adoption of ISO 20022 applies to messaging and has no direct link to crypto integration. ISO coins may become more compatible, but will not automatically be integrated into the SWIFT system. |
| ISO 20022 cryptocurrencies are safe and secure | ISO-compliance does not certify, nor can it attest to the security of a cryptocurrency coin or token. |
| ISO 20022 cryptocurrencies will be required by the government | Individual governments may or may not require the use of the ISO 20022 standard for their own operations, financial transactions with businesses they interact with, or entities under their jurisdiction. However, the standard has received limited adoption as of 2026. |
Conclusion
ISO 20022 compliance could create smoother operations among institutions attempting to merge cryptocurrencies with traditional financial systems. While many of its benefits are apparent, some of them are perhaps hyperbolic.
ISO 20022’s implementation could lead to increased mainstream adoption and, simultaneously, more regulatory scrutiny from regulatory bodies. This may not be as big a deal for established protocols, but it could hurt emerging projects.
As the financial industry continues to evolve, adopting ISO 20022 could play a role in bridging the gap between traditional financial systems and the emerging world of digital assets.
FAQs
How many ISO 20022 coins are there?
Which crypto coins are ISO 20022?
Is XRP an ISO 20022 coin?
Is ISO 20022 a big deal, and what is it replacing?
Is Bitcoin ISO 20022?
Is Ethereum ISO 20022?
Is ISO 20022 crypto safe?
How do cryptocurrencies comply with ISO 20022?
Are ISO 20022 coins regulated?
Are ISO 20022 poised for growth?
References
- Ripple says US banks will want to use its systems (CNBC)
- What is Cardano? The green cryptocurrency (The Independent)
- Google Cloud adopts Hedera HashGraph (Fortune)
- Adoption of ISO 20022 falling behind estimates (EY)
- Payment Infrastructure Migration Journey (Maveric Systems)
- Celent Report on ISO 20022 Adoption (2022) (Celent)
- 24/7 payments, ISO 20022 adoption, and more (Trade Treasury Payments)
- Ripple Strengthens as ISO 20022 Push Boosts XRP Cross-Border Use (MEXC)
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