### 🔍 **1. Crypto Projects ISO 20022: Beyond Compatibility**
#### → **Ripple (XRP)**:
- **Role**: Member of the **ISO 20022 Steering Committee** (alongside Swift, Fed, ECB).
- **Application**: Its network **RippleNet** uses ISO messages for cross-border payments between banks and exchanges.
- **Advantage**: Reduces liquidity costs in USD/EUR operations → stablecoins.
#### → **Quant (QNT)**:
- **Technology**: **Overledger** is the "operating system" that interconnects DLTs with legacy networks.
- **Real case**: Banks like **SIA** (Italy) use it to tokenize assets with ISO 20022 metadata.
#### → **Stellar (XLM)**:
- **Innovation**: Protocol **CAP-0022** allows attaching ISO data in transactions (e.g., KYC for remittances).
- **Key alliance**: With **MoneyGram** for low-cost payments with stablecoins (USDC).
#### → **Hedera Hashgraph (HBAR)**:
- **Focus**: Tokenization of assets (bonds, real estate) using ISO standards.
- **Strategic partner**: **Dell Technologies** for supply chain solutions with integrated financial data.
---
### 🌐 **2. CBDCs: The Great Engine of ISO 20022**
More than **20 central banks** (ECB, Fed, Bank of Japan) are developing CBDCs with ISO 20022 as the backbone:
- **Interoperability**: CBDCs will be able to interact with each other and with crypto exchanges thanks to the standard.
- **Example**: The **Digital Euro** will include ISO fields for:
- Transaction limits.
- User identification (controlled privacy).
- Real-time settlement.
- **Impact on crypto**: Exchanges like Coinbase will need to support ISO messages to operate with CBDCs.
---
### ⚙️ **3. DeFi & Tokenization: The Future is Now**
ISO 20022 enables the **tokenization of traditional assets** with integrated compliance:
- **Tokenized bonds**: BlackRock is already issuing bonds on blockchain (e.g., on Ethereum) with ISO data included.
- **Advantages**:
- Settlement in **minutes** vs 2 days (traditional T+2).
- Reduction of fraud (verifiable origin/destination).
- **Disruptive projects**:
- **Polygon (MATIC)**: Alliance with banks to tokenize shares.
- **Chainlink (LINK)**: Provides oracles that translate off-chain data to ISO format.
---
### 🔐 **4. Regulatory Compliance (AML/CFT)**
ISO 20022 solves the big headache in crypto: **the FATF Travel Rule**:
- **Key fields in messages**:
```xml
KYC_data
0x...
...
```
- **Solutions**: Companies like **Notabene** and **Coinfirm** use these fields for automatic tracking.
---
### 📈 **5. Relevant Data (2025)**
| **Metric** | **Value** |
|----------------------------|-------------------------------|
| ISO transaction volume | +78% since 2023 (Swift data) |
| CBDCs in advanced phase | 14 countries |
| Exchanges supporting ISO | Binance, Kraken, Coinbase |
---
### 🚀 **What’s Coming? Key Predictions**
1. **2026-2027**: Massive integration of stablecoins (USDT, USDC) in ISO 20022 networks.
2. **2028**: >50% of corporate bonds will be tokenized using the standard.
3. **Risks**: Fragmentation if not all L1s (Ethereum, Solana) adopt the format.
---
### 💡 **Strategic Conclusion**
ISO 20022 is not just a "technical format": it is the **ultimate bridge** between:
- **TradFi** (banks, capital markets),
- **CeFi** (exchanges, custodians),
- **DeFi** (protocols, DAOs).
- 🏦 **CBDCs and their impact on Bitcoin/ETH**,
- 💼 **How to invest in ISO 20022 projects**,
- ⚖️ **Unresolved regulatory challenges**.
