- XRP and XLM are set to benefit significantly from the global adoption of ISO 20022, a financial messaging standard that enhances interoperability between traditional systems and blockchain networks.
- Stronghold’s integration strategy, which leverages Ripple, Stellar, and Interledger, showcases real-world use cases for these digital assets in compliant, API-driven payment infrastructures.
As the global financial industry marches toward full ISO 20022 adoption, two cryptocurrencies—XRP and Stellar Lumens (XLM)—are emerging as prime beneficiaries. According to Stronghold founder and CEO Tammy Camp, the messaging standard’s widespread implementation is creating a fertile environment for digital assets engineered for compliance and interoperability.
In a recently shared video on X by crypto influencer SMQKE, Stronghold highlighted the seismic shift in how value is transmitted across borders. The video emphasized that all SEPA (Single Euro Payments Area) transactions have already transitioned to ISO 20022 as of 2022, and the U.S. Federal Reserve is pushing domestic institutions to follow suit by July 2025.
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ISO 20022 offers financial institutions a richer, more structured way to exchange data—boosting transparency, speed, and efficiency. And that’s where XRP and XLM shine. Recognized by the Bank for International Settlements (BIS), both assets boast low fees, high-speed settlement, and built-in compatibility with financial messaging protocols.
“Digital assets like XRP and Stellar are uniquely positioned for ISO 20022 infrastructure,” said Camp. She explained that Stronghold’s payment architecture allows fiat currency to flow into Ripple, Stellar, and Interledger ecosystems through API-driven integration. This approach enables real-time interoperability between traditional banking systems and blockchain networks.
The migration is also gathering steam globally. SWIFT has set a hard deadline of November for full ISO 20022 compliance. As more central banks and financial institutions align with this standard, XRP and XLM are expected to play increasingly critical roles in facilitating seamless digital transactions.
Stronghold’s hands-on integration strategy demonstrates a real-world use case of blockchain in regulated environments. By bridging fiat systems with blockchain through ISO 20022 messaging, Stronghold is not only pioneering fintech innovation but also laying the groundwork for mainstream adoption of digital assets.
For XRP and XLM holders, this is more than just hype—it’s a fundamental shift in global finance that could catapult these assets into the heart of future payment systems.