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🌐 SWIFT Goes Fully ISO 20022 — The Bridge Between Banks and Blockchain
A major shift in global finance is officially underway. SWIFT has retired its old MT messaging system and is now fully adopting ISO 20022 — a modern global standard for faster, richer, and more transparent cross-border transactions.
This upgrade might sound technical, but it’s a big deal — not just for banks, but for crypto too.
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💡 What’s Changing?
ISO 20022 isn’t new — it was first introduced back in 2004. But after years of testing and partial adoption, this month marks the full migration. The coexistence period with SWIFT’s old MT system is over.
That means every global bank must now use ISO 20022 for payments and messaging. In simple terms, the world’s entire financial communication system just got a massive software upgrade.
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⚙️ Why It Matters for Crypto
Here’s where things get interesting. ISO 20022 doesn’t just modernize traditional banking — it also creates a bridge to blockchain networks that already speak the same “language.”
Projects like XRP, XLM, XDC, and HBAR are built to be ISO 20022-compliant, meaning they can plug into the new system more naturally than other cryptos.
This alignment could make it much easier for banks to connect with blockchain for cross-border payments, remittances, and tokenized asset transfers — pushing crypto closer to mainstream financial infrastructure.
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🚀 A Turning Point for Utility Tokens
While Ripple often gets the spotlight in these discussions, this moment isn’t just about XRP. The ISO 20022 shift is a rising tide for all utility-driven projects.
As global payment data becomes more structured, programmable, and interoperable, we’re likely to see a new wave of adoption — where blockchain isn’t competing with banks, but powering them from within.
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🔍 The Bottom Line
SWIFT’s move to ISO 20022 isn’t just a backend update — it’s the beginning of a new era of financial communication.
For crypto investors, it’s worth paying attention. The tokens built for real-world financial integration — not hype — might finally be stepping into their prime.
#DYR #Cryptoblockchain
$XRP

Let’s Talk About #ISO20022

ISO 20022 isn’t just a boring string of numbers and letters—it’s the future of global finance, and it’s here to clean up the mess that traditional banking has left behind. Imagine a world where payments are faster, more secure, and your money doesn’t take a vacation in limbo before arriving. That’s ISO 20022: the new standard that’s dragging the financial industry into the 21st century whether it likes it or not.
This messaging standard isn’t just a fancy name—it’s a universal language for financial data, streamlining everything from cross-border payments to securities trading. It allows for richer, more detailed data in transactions, which means better transparency and efficiency. Basically, it’s the cryptocurrency of standards, but without the memes.
Why It Matters
1. Interoperability: Finally, banks, payment systems, and financial institutions can stop speaking different languages. With ISO 20022, they’ll all be on the same page—literally.
2. Faster Transactions: No more waiting three days for your money to crawl through outdated systems. This is financial speed-dating at its finest.
3. Improved Compliance: Richer data means regulators get the information they need without having to ask twice. (Bad news for those trying to hide something.)
4. Global Adoption: Major players like SWIFT, the Federal Reserve, and the European Central Bank are already on board. If you’re not, you might as well be sending money with carrier pigeons.

The ISO 20022 Portfolio
If you’re in crypto, you’ll want to know which projects are ISO 20022-compliant. These tokens are positioning themselves as the bridge between blockchain and the traditional financial system:
• $XRP (Ripple): The poster child for ISO 20022, Ripple’s focus on cross-border payments makes it a natural fit.
• $XLM (Stellar Lumens): Built for remittances and micropayments, Stellar is all about making transactions quick and cheap.
• $XDC (XinFin): Tailored for enterprise and trade finance, XDC is like the corporate suit of the crypto world.
• $ALGO (Algorand): Fast, secure, and scalable, Algorand is the tech geek in this group.
• $IOTA Aimed at the Internet of Things, IOTA is here to connect your fridge to your bank account (and do it securely).

Why You Should Care
ISO 20022 isn’t just a game-changer—it’s the game. As this standard becomes the norm, compliant cryptos could see increased adoption by institutions and governments alike. If you’re still betting on meme coins, this is your wake-up call. Get with the program or get left behind.

#DYR #CryptoRegulation

Digital Ascension Group CEO Jake Claver and the hosts of the Good Evening Crypto podcast have argued that an imminent liquidity crunch is looming for XRP.
They argue this could trigger a dramatic price revaluation fueled by ETFs, institutional adoption, and a potential pre–Clarity Act market event.
Why Claver Believes XRP Is the Only Viable Liquidity Option
The discussion began with a question about why XRP is being highlighted as the primary token capable of solving problems in global financial markets. Claver explained that XRP has a level of legal clarity that most other cryptocurrencies do not.
Specifically, XRP stands out because it is the only digital asset that the U.S. has officially stated is not a security. Meanwhile, many other cryptocurrencies are still awaiting clearer rules. The Clarity Act, which would help provide this clarity, has been delayed due to the U.S. government shutdown.
Claver said this gives XRP a unique advantage if a liquidity crisis occurs before the Clarity Act passes.
“The only option they’re going to have, if there’s enough liquidity in the asset, is going to be XRP to save the day,” Claver said.
XRP Price Surge: $100+ Target and the ETF Effect
Claver also shared his optimistic view on XRP’s future price, saying it could even reach $100 by the end of the year. He said this would require a “perfect storm” of events, citing major financial institutions using XRP for settlements and the launch of XRP ETFs.
According to Claver, as more ETFs emerge and larger players begin using XRP, demand for the token will surge.
Claver claims that currently, much of XRP’s trading takes place in OTC (over-the-counter) markets and dark pools. Accordingly, the price movements are not very visible.
But once those hidden sources run low, ETFs will need to buy XRP directly from exchanges, which could push the price up quickly as demand outpaces supply. Claver warned of this looming squeeze, saying:
“Everybody needs it all at the exact same time, and there’s not enough to go around. That’s where we see a huge move up in price that people aren’t ready for.”
“What If the Clarity Act Passes This Year?”
Meanwhile, co-host Johnny pressed Claver on his prediction that XRP could hit $100 by year-end. Claver insists such a surge requires major settlement markets adopting XRP before the Clarity Act passes.
As the government shutdown delayed the bill, it created a short window where XRP remains the only fully clear asset available for institutions, according to Claver.
But even if the Clarity Act passes, Claver said the XRPL still offers unmatched advantages. He cited digital identity features, built-in KYC/AML, AMMs, and institutional-grade tools, making it a top choice for enterprise players.
Evernorth, Ripple Escrow, and a New Demand Wave
Claver further highlighted how Evernorth and Ripple are working to expand the DeFi ecosystem on the XRP Ledger. Evernorth is raising $1 billion and partnering with institutions to build DeFi projects on XRPL.
He said XRP’s liquidity and regulation-friendly design make it appealing to institutions seeking safe blockchain solutions.
He also referenced upcoming XRPL upgrades, Amendments 64, 65, and 66, which will introduce pseudo-accounts, liquidity pools, and on-chain borrowing and lending. These changes are expected to make XRPL even more capable for institutional DeFi.
Claver noted that companies such as Vivo Power and Arrington Capital are already acquiring XRP at discounted prices. This shows institutional interest and potential long-term effects on XRP’s supply and demand dynamics.
XRP Holders Could Become the Next Wave of Millionaires
Meanwhile, host Abs asked Claver for his thoughts on whether XRP holders could become the next generation of internet-era or crypto millionaires, similar to the early Bitcoin era. Claver replied:
“I’ve literally bet my whole business on it.”
He described the XRP community as older, more private, and mission-driven, unlike the flashier culture in much of crypto. Many of Claver’s clients, he said, have philanthropic goals tied to their anticipated gains.
According to Claver, many want to use their XRP wealth to support local communities, create foundations, or fund medical research. He believes this mindset could lead to a meaningful positive impact if XRP’s value rises the way many expect.
In Sum
Claver believes XRP’s future is aligning with significant changes in global finance, increasing regulatory clarity, and DeFi adoption. Because XRP is a non-security and institutional interest continues to rise, he thinks the groundwork is already in place for a significant price increase beyond $100 in the coming years.
#DYR #crypto #Digitap
$XRP