Ripple Is Already Native on ISO 20022 With XRP

A leading crypto researcher has drawn attention to documentation showing the global payments industry is on track to complete a transition to native ISO 20022 messaging by the end of 2025. The researcher highlighted that this protocol migration, aimed at replacing legacy MT messaging, will standardize richer payment data across institutions and that XRP is already operating natively on ISO 20022. Market participants and commentators have responded by underlining the potential operational and competitive implications for digital assets and payment providers. A GLOBAL TRANSITION TO NATIVE ISO 20022 MESSAGING WILL BE COMPLETED BY END OF 2025 + RIPPLE IS ALREADY NATIVE ON ISO 20022 WITH XRP Documented below. pic.twitter.com/786FknFaKO — SMQKE (@SMQKEDQG) October 25, 2025 The ISO 20022 transition and its timeline The documentation referenced by the researcher indicates that ISO 20022 became a mandatory standard in 2019, with an initial cutover from MT messages required by March 2023 and a full transition to native ISO 20022 messaging expected to be completed by the end of 2025. The move aims to deliver clearer, more consistent payment messages that encapsulate more detailed fields for payment purpose, source, and beneficiary information. Proponents argue that this richer data model is designed to reduce ambiguity between systems and to facilitate improved detection of anomalous or suspicious activity. Operational benefits highlighted Documents attached to the researcher’s notice highlight several operational benefits for financial institutions adopting ISO 20022. These include improved consistency of message formats across platforms, enhanced security through more explicit transaction metadata, greater visibility over liquidity and cash positions, and efficiency gains in processing and reconciliation. The documentation also indicates automation benefits, specifically the support for straight-through processing at levels that can materially reduce manual intervention and associated costs. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 XRP and industry positioning The researcher reported that XRP is already native on ISO 20022, and industry voices cited in the documentation place digital assets alongside established payment instruments as participants in the new messaging environment. One banking executive featured in the source framed ISO 20022 as a tool to bridge established payment systems with emerging decentralized finance architectures. The document explicitly references stablecoins and XRP as examples of coin providers integrated into the ISO 20022 framework. Market reactions Public responses to the researcher’s post underline two consistent themes. Some observers emphasize that the adoption of ISO 20022 enhances transparency and operational efficiency for assets that support the standard, viewing this as a positive development for payment innovation. Others argue that native ISO 20022 compatibility confers a practical advantage as the global payment system modernizes. From an industry perspective, the completion of the migration by 2025 could accelerate integration work, influence custody and compliance tooling, and shape how banks and payment providers evaluate on-chain and tokenized instruments for cross-border settlement. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Ripple Is Already Native on ISO 20022 With XRP appeared first on Times Tabloid .

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