Top 7+ ISO-Compliant Crypto Tokens in July 2025

2025-07-02

As the global financial system continues its digital transformation, ISO-compliant crypto tokens are gaining more attention than ever.

The implementation of ISO 20022, a new standard for financial messaging, is driving this trend by offering a unified language for data exchange between financial institutions and blockchain projects.

Let’s dive into the top ISO-compliant crypto tokens to watch in July 2025, and understand why they’re becoming important for the future of payments and finance.

What is ISO 20022?

Before we get into the list of the top ISO-compliant crypto tokens, here’s a quick breakdown. ISO 20022 is a global messaging standard designed to replace outdated financial communication protocols like SWIFT MT.

The goal is to streamline data formats, improve accuracy, and enhance interoperability across financial networks.

For crypto, this means that certain blockchain projects are adapting their technology to align with ISO 20022 messaging formats.

This enables better communication between crypto networks and traditional banking systems, making cross-border payments, settlement, and financial reporting much more efficient.

ISO-Compliant Crypto Tokens

It’s important to note that the tokens themselves aren’t technically "ISO-certified". Instead, the projects behind these tokens integrate ISO 20022 messaging standards into their payment systems or blockchain solutions.

This allows them to communicate seamlessly with banks, central banks, and other financial institutions already adopting ISO 20022.

According to a 2025 Forbes report, around 72% of global banks are already ISO 20022-ready, with the rest expected to comply by the end of this year.

Top ISO-Compliant Crypto Tokens

Here’s a list of top ISO-compliant crypto tokens that are currently leading the ISO 20022 compliance race:

1. Ripple (XRP)

Ripple (XRP) is probably the most well-known ISO-compliant crypto token. It’s designed for fast, low-cost international money transfers, making it a natural fit for cross-border payment solutions.

- Ripple officially joined the ISO 20022 Standards Body in late 2024.

- XRP acts as a bridge currency in the RippleNet ecosystem.

- Ripple’s Interledger Protocol (ILP) focuses on reducing transaction times and costs while boosting liquidity for banks.

2. Stellar (XLM)

Stellar (XLM) is another big player in this space. Originally built on the Ripple protocol, Stellar focuses on financial inclusion and microtransactions.

- It uses the Stellar Consensus Protocol (SCP) for fast and low-cost confirmations.

- XLM acts as a bridge asset for converting different currencies.

- Stellar is also a member of the ISO 20022 Standards Body, just like Ripple.

3. XDC Network (XDC)

XDC Network (XDC) is designed for trade finance and cross-border transactions.

- Built on the XinFin Hybrid Blockchain, combining public and private chain features.

- Uses Delegated Proof of Stake (XDPoS) for scalability and decentralization.

- XDC’s compliance with ISO 20022 helps it target banks and trade networks needing faster payment solutions.

4. Algorand (ALGO)

Algorand (ALGO) stands out for its scalability and low transaction costs.

- Uses Pure Proof-of-Stake (PPoS), avoiding energy-intensive mining.

- Well-suited for financial services, asset tokenization, and DeFi applications.

- Its ISO 20022 compatibility makes it attractive for institutional financial use cases.

5. IOTA (MIOTA)

IOTA (MIOTA) is unique because it targets the Internet of Things (IoT) ecosystem.

- Runs on a Directed Acyclic Graph (DAG) instead of traditional blockchain.

- Recently upgraded with IOTA Rebased, making it more programmable and scalable.

- Focuses on supply chain management, asset tracking, and IoT payments, all of which benefit from ISO 20022 messaging.

6. Hedera Hashgraph (HBAR)

Hedera (HBAR) offers high throughput and low transaction fees thanks to its Hashgraph consensus mechanism.

- Provides a foundation for building enterprise-grade dApps.

- Uses HBAR for transaction fees and network security.

- Its network efficiency and ISO-compliant messaging structures make it suitable for financial and supply chain applications.

7. Quant (QNT)

Quant Network (QNT) focuses on blockchain interoperability.

- Its Overledger technology connects multiple blockchains and traditional banking systems.

- QNT tokens are used to access Overledger services.

- ISO 20022 compatibility ensures smooth data flow between diverse financial networks.

8. Cardano (ADA)

Although not a direct member of the ISO 20022 body, Cardano (ADA) is making strides toward institutional-grade financial applications, making it worth watching in this space.

Benefits of ISO-Compliant Crypto Tokens

ISO 20022 compliance isn’t just a regulatory checkbox, it offers real benefits:

1. Interoperability with banking systems.

2. Streamlined cross-border payments.

3. Faster settlement times and reduced fees.

4. Greater trust and transparency thanks to structured data formatting.

5. Potential future adoption by central banks and financial regulators.

Conclusion

With global finance shifting towards ISO 20022 messaging standards, crypto projects that align with this standard are better positioned for institutional adoption and mainstream use.

Tokens like XRP, XLM, XDC, ALGO, IOTA, HBAR, Quant, and possibly Cardano are leading the way in July 2025. For investors and developers interested in the intersection between blockchain and global finance, ISO-compliant crypto tokens represent a key area of growth.

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FAQ

What does ISO 20022 compliance mean for a crypto project?

It means the project’s messaging system can integrate with global financial communication standards, enabling smoother data exchange with banks and payment networks.

Are the tokens themselves ISO certified?

No. The term "ISO-compliant coin" refers to the project's technology being compatible with ISO 20022, not the coin being directly certified.

Which is the most popular ISO-compliant crypto?

Currently, Ripple (XRP) and Stellar Lumens (XLM) are the most recognized in this category.

Why should investors care about ISO-compliant crypto tokens?

As global financial institutions transition to ISO 20022, compliant crypto projects could see increased institutional adoption, improving their long-term value proposition.

Will more crypto projects become ISO-compliant in the future?

Likely yes. As the demand for blockchain integration with banking systems grows, more projects will aim for ISO 20022 compatibility.

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Disclaimer: The content of this article does not constitute financial or investment advice.

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