Crypto Claims Disputed as ISO Rejects Token Compliance Status

A wave of discussion has emerged across the crypto community following renewed scrutiny of long-circulating claims that particular cryptocurrencies are “ISO 20022 compliant.” The debate resurfaced as trade commentators highlighted code references related to XRP and RippleNet.

On the the same time, the World Organization for Standardization (ISO) confirmed that cryptocurrencies themselves are now not granted any fabricate of ISO certification.

ISO Clarifies No Cryptocurrency Holds Compliance Achieve

Based totally totally on posts shared by analysts, Mansingh Rajput, ISO’s possess web space states that no cryptocurrency meets any fabricate of ISO 20022 compliance. ISO identified that its monetary-messaging fashioned defines how banks, cost programs, and monetary institutions constructing and change knowledge. Because public blockchains operate as just decentralized networks, ISO would now not administer or certify compliance for property equivalent to XRP, XLM, ADA, or Quant.

Observers successfully-known that confusion stemmed from mission groups describing their capability to constructing or elaborate knowledge in ISO 20022 layout. ISO has made particular that such capabilities attain now not translate into formal compliance. Moreover, the group warned that on-line claims labeling instruct tokens as compliant are inaccurate.

Connected: SWIFT’s ISO 20022 Mandate Locations Compliant Blockchains Cardano, XRP, in Heart of attention

Developers and Engineers Increase the Technical Distinction

Developers echoed ISO’s space by pointing to the adaptations between blockchain transaction formats and standardized monetary messages. Arthur, an XRP community member, successfully-known that XRPL transaction constructions and ISO 20022 messages fragment no purposeful equivalence, describing them as fundamentally separate programs.

Any other commentator added that whereas RippleNet, Ripple’s messaging infrastructure, makes use of ISO 20022 message forms equivalent to pacs.008, XRP operates independently as a settlement asset and would now not fabricate fragment of the messaging layer.

Industry individuals also referenced earlier feedback from Cardano founder Charles Hoskinson, who described ISO 20022 toughen as a purposeful requirement for linking former banking rails with decentralized programs. His remarks cited ADA, XRP, HBAR, and ALGO as networks positioned to interface with that fashioned, though without suggesting certification.

SWIFT Completes Transition to ISO 20022-Most efficient Payments

Within the period in-between, SWIFT confirmed that its coexistence duration for MT and ISO 20022 formats ends this weekend. Beginning put November 22, 2025, all monetary establishment cost directions will in all probability be delivered exclusively in ISO 20022.

On the choice hand, the network entreated individuals to assist away from sending messages throughout the cutover window to stop rejected transactions and operational delays.

Connected: ​​Ripple, Hedera, Algorand, and XDC Turns into ISO 20022-Compliant Crypto Tasks