ISO 20022 is the new global standard for financial messaging, designed to make payments, securities, trade, and other financial transactions more efficient and interoperable ā especially for cross-border transactions.
Hereās Why Compliant Assets Are Moving Quietly:
Institutional Preparation Phase
Banks and large institutions are building infrastructure behind the scenes to adopt ISO 20022 messaging.
They're quietly accumulating compliant assets (like XRP, XDC, etc.) because these assets will power the new payment rails.
The market price doesnāt spike immediately because adoption is still in the implementation and testing phase, not yet fully live globally.
Low Public Awareness & Speculation
Most retail traders donāt fully understand ISO 20022 or its impact, so buying pressure remains low.
Institutions buy in large but stealthy volumes to avoid creating price volatility or signaling their strategy.
Price Stability Preferred by Institutions
Institutions want liquidity and stable prices before launching large-scale payment systems.
Price spikes make it expensive to accumulate and complicate onboarding.
Regulatory and Technical Rollout Delays
ISO 20022 migration timelines are phased (SWIFT began transitioning in late 2022 and continues for years).
Until full migration and network effects kick in, price impact remains muted.
Strategic Hoarding for Future Leverage
Accumulating compliant assets now positions institutions for dominance when the ISO 20022 network fully powers real-time settlements.
Once adoption accelerates, these assets will likely experience a strong price surge.
TL;DR
Quiet accumulation = institutions gearing up for the ISO 20022-powered future financial system.
Price remains flat now because the transition is gradual, adoption slow, and institutions want to avoid alerting the market prematurely. $XLM