Out of the 25000+ cryptocurrencies only 8 are Future-proof. Why? Because these 8 are ISO 20022 compliant. ISO 20022 isn’t optional. Right, it’s the new global payments standard being rolled out as we speak. This isn’t just another blockchain buzzword. No, sir, it’s the universal language that banks and governments are switching to. With ISO 20022, they can process trillions of dollars every single day.
Today I’m going to show you four of the 8 ISO 20022-compliant projects. This is Part 1 of a 2-part series.
Cardano ($ADA)
Cardano ($ADA) is a big boy in this list of ISO 20022 coins. It’s always close to a top 10 rank measured by market cap. Cardano was recently in the spotlight with its Midnight or the ‘Glacier airdrop’. $ADA holders and holders of 7 other altcoins qualified for this airdrop. 37 million wallets in total. Check my video.
However, we’re looking at the advantages that Cardano will have from being ISO 20022 complaint. So, let’s take a closer look at that.
Seamless Integration With TradFi
That’s because ISO 20022 is a global financial messaging standard. Banks and financial institutions worldwide use it. So, we know already that Cardano is compliant. This bridges the gap between legacy financial systems and blockchain technology.
The U.S. Federal Reserve implemented ISO 20022 for its Fedwire Funds Service. 🇺🇸
Fedwire enables real-time settlement of large payments between financial institutions.
By design, Cardano $ADA is ISO 20022 compliant, making it a great blockchain candidate for TradFi integration. pic.twitter.com/NUTNtzQkWn
— Cardanians (CRDN) (@Cardanians_io) July 15, 2025
Enhanced Interoperability
Cardano can now communicate efficiently with existing payment networks and financial infrastructures. This makes onboarding of banks easier. Thus, Cardano can integrate into a unified global financial ecosystem.
Support for Smart Contracts
Besides supporting transactions, Cardano also supports smart contracts and dApps. This puts Cardano in the driver’s seat for future financial innovations.
Asking Grok:
What makes Cardano ISO 20022 compliant? What is the requirement for the messaging standard and how does Cardano meet those requirements?
Gives a whole breakdown and conclusion. pic.twitter.com/TeslBrg2sr— ✨₳DA ₿eacon⚡️ (@AdaBeacon) July 15, 2025
Increasing Institutional and Regulatory Acceptance
The ISO 20022 standard includes KYC and AML regulations. Supporting this gives Cardano greater trust and credibility. Institutional investors like this, thus increasing Cardano adoption.
Faster and More Secure Cross-Border Payments
ISO 20022 helps speed up transaction processing and reduces errors and fraud risks. That’s because it uses standardized message formats. Cardano already offers fast and low-cost transactions, so it fits right in.
Possible Bitcoin Integration Later
The one thing Cardano has that none of the other ISO compliant projects has is UTXOs. These Unspent Transaction Outputs are the same way of accounting for tokens and managing transactions that Bitcoin uses. Ethereum and all others use the account balance model. UTXO chains like Cardano, Bitcoin and Litecoin can integrate easily with each other and have a tough time integrating with account model chains like ETH. So if any bank wants a compliant chain they can integrate with Bitcoin later then Cardano is the choice.
Stellar ($XLM)
Stellar ($XLM) is another ISO 20022 compliant crypto project. It’s made with allowing transactions between any pair of currencies in the back of its mind. So, all the reasons I mentioned for Cardano, apply also to all other projects. That’s why I will look into other angles for the other 3 projects, starting with Stellar.
Stellar $XLM just checked every box:
✅ ISO 20022 compliance
✅ Regulated payments
✅ Institutional rails with Circle & FranklinThis isn’t an altcoin. This is a gateway.
Ignore XLM now and you’ll be explaining why later. pic.twitter.com/STS5MCQ7oJ
— X Finance Bull (@Xfinancebull) July 25, 2025
Field-for-Field Data Mapping
Stellar has Stellar Ecosystem Proposals. These are documents that outline how different entities on the Stellar network should interact and operate. For example, asset issuers, anchors, or wallets. Two of these SEPs (#9 and #31) align transaction data elements precisely with ISO 20022. This enables regulated KYC and cross-border payment data to live on-chain. This shows that it’s not only payment processing that Stellar does. It builds trust.
Banking and Blockchain: Why We Need an AML/KYC Safe Harbor https://t.co/Eto7MSEit1 via @CoinDesk
— Stellar (@StellarOrg) June 19, 2017
Native Support for Stablecoins
The Stellar ecosystem already supports regulated stablecoins like $USDC and $EURC. With the $EURC, Stellar also covers a big chunk of the European market.
Dive into seamless development on Stellar with free access to testnet USDC and EURC from @Circle‘s new devnet faucet! https://t.co/35HVrBIJ5f
— Stellar (@StellarOrg) December 7, 2023
Positioning for CBDCs
I’m not a fan of CBDCs, but I also realize that we can’t avoid having them. Not every government is so anti-CBDC as the current US government under Trump. Plenty of European governments are very pro-CBDC. So, being ISO 20022 compliant makes for smooth sailing in that field for Stellar.
Stellar was built with CBDCs in mind: to allow trusted issuers to create digital representations of their assets. Download our new white paper to learn what features make Stellar uniquely suited to issuing CBDC and how to implement a CBDC on the network. https://t.co/qtN6QXc0Vk
— Stellar (@StellarOrg) September 28, 2021
Proven Track Record in Real-World Use Cases
Some projects in Stellar’s ecosystem already make use of Stellar’s ISO 2022 compliance. In Africa, that’s Yellow Card. Arf is another project that uses this Stellar feature. Both make daily money transfers, demonstrating practical adoption.
Africa’s digital revolution gains momentum as Yellow Card introduces USDC on Stellar.
“We are thrilled to bring USDC on Stellar to our users. This is a giant leap forward for global payments, making it easier, faster, and more affordable for people around the world to access and…
— Stellar (@StellarOrg) February 13, 2024
Quant ($QNT)
Next on my ISO 20022 radar is Quant ($QNT). Quant offers smooth communication between different blockchains. Its main feature is the Overledger, which supports Multi-chain Applications (MApps). This facilitates smart contract transactions between different blockchains. It calls itself the infrastructure of money. So, being ISO 20022 compliant makes sense with this set up.
True Multi-Network Interoperability via Overledger
I mentioned Overledger already, and it is Quant’s main feature. The Overledger protocol allows secure, scalable interoperability between blockchains and legacy systems. Even if they were incompatible. So, aligning with ISO 20022 puts Quant in a great position. It can help token transfers across various platforms in real time. Think of banks, blockchains, and enterprise platforms. Add to this unified financial messaging. This means that Quant can bring messages from different channels together on a single, unified platform. Only Quant can offer these right now.
Introducing Quant Fusion: The Core Infrastructure for Digital Asset Interoperability
Today marks a significant advancement in the evolution of blockchain infrastructure. We’re proud to introduce Quant Fusion, a pioneering new infrastructure layer that redefines digital asset… pic.twitter.com/DMjgFYaVED
— Quant (@quant_network) June 30, 2025
Enablement of “Tokenized Everything” Ecosystems
Quant can bring tokenized stocks, bonds, fiat currencies, or gold to traditional banking rails. It has everything already in place to accommodate this. For example, asset digitization, seamless on- and off-chain transfers, and bridging DeFi.
CBDCs
Here we are again, back with CBDCs. Unfortunately, there will be plenty of them around in the future. So, it’s no surprise that many blockchains will accommodate CBDCs. Quant is one of them. It positioned itself as a ‘universal connector’ for next-gen banking. This includes, among others, CBDCs.
What does the future hold for Central Bank Digital Currencies?
Our Chief Product Officer, Martin Hargreaves, spoke to the @thefintechtimes about the forces driving #CBDC exploration as well as the potential barriers to implementation and adoption – learn more:… pic.twitter.com/cLD1YW7XEH
— Quant (@quant_network) February 18, 2025
So, Quant may be flying under most people’s radar, but it is all set to make the most out of ISO 20022.
IOTA ($IOTA)
Today’s last project on this ISO 20022 list is IOTA ($IOTA). As the name already suggests, IOTA is designed for the Internet of Things or IoT. The IoT is a vast network of physical objects, or “things”. You can find them in sensors or software. So, these connect and exchange data with other devices and systems over the internet. Here’s why IOTA may profit from being ISO 20022 compliant.
Optimized for Internet of Things (IoT) Communication
IOTA has a DAG or directed acyclic graph distribution ledger. This is different from a traditional blockchain. IOTA’s DAG architecture goes by the name of Tangle. It’s purpose-built for IoT. Being ISO 20022 compliant has its advantage for IOTA. It enables secure and standardized data and payment messaging directly between devices. This is important for automated microtransactions and data exchanges. For example, in smart cities or supply chains. The other projects I mentioned today don’t offer this natively.
🗳 Vote now on SGP-0012: IOTA Network Fund Proposal – Tangle DAO Phase 2
This proposal focuses on expanding IOTA infrastructure and ecosystem growth.
The community vote is open — review the details and cast your vote here: https://t.co/pER1ABy0W2— IOTA (@iota) August 11, 2025
Quantum-Resistant Security for the IoT Era
There are many predictions that quantum computers can crack crypto wallets in due time. Well, IOTA integrates quantum-resistant cryptography with ISO 20022 messaging. In other words, messaging and transactions on IOTA are future-proof. Once more, IOTA is one of the very few ISO 20022 projects that prioritizes this.
🔒 Security and compliance are top priorities with #IOTA meeting industry standards. We developed a quantum-resistant cryptographic roadmap, and ensured compatibility with European digital identity frameworks. Our tech is both secure and future-proof.
— IOTA (@iota) August 20, 2024
Seamless Integration With TradFi for IoT Payments
IOTA can bridge digital payments from physical devices straight into TradFi systems. It supports real-time settlement and compliance. This also includes reporting for banks, enterprises, and regulators. For mainstream adoption of decentralized IoT payments, this is essential.
With L1 programmability, IOTA bridges #Web3 with real assets & institutional adoption: tokenized #TradeFinance, decentralized asset marketplaces, collateral-backed lending, native #stablecoins & liquid #staking. . More 👉 https://t.co/k1r4EUzMzc pic.twitter.com/4LcWnP2eKy
— IOTA (@iota) January 31, 2025
So, this is Part 1 of the 2-part series about 8 ISO 20022 compliant crypto projects. Here’s Part 2. Were you aware of this, and what do make out of this? Will these projects have an edge? Let me know in the comments and make sure to follow our X and Discord channel.
Disclaimer
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We are not responsible for any losses that you may incur as a result of any investments directly or indirectly related to the information provided. Bitcoin and other cryptocurrencies are high-risk investments, so please do your due diligence.
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This articles is written by : Nermeen Nabil Khear Abdelmalak
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