#ISO20022 #UtilityOverSpeculation #IsraelIranConflict #IfYouAreNewToBinance
Here is a ranked list of ISO 20022-compliant coins based on their power, utility, and relevance to global financial messaging systems, especially in areas like cross-border payments, compliance, tokenization, and interoperability.
💼 Top ISO 20022 Coins by Power & Utility
🥇 1. XRP (Ripple)
Utility: Instant cross-border payments for banks and institutions
Strength: Fast, cheap, scalable; used by RippleNet clients globally
Edge: Over 300+ partners incl. Santander, SBI, and Bank of America
✅ ISO 20022-compliant
🚀 Considered the top coin for utility and financial system integration
🥈 2. XLM (Stellar Lumens)
Utility: Cross-border remittances & low-cost payments for the unbanked
Strength: Partnered with MoneyGram, Circle, and IBM
Edge: Focused on developing countries, real-time forex
✅ ISO 20022-compliant
💡 Best suited for retail/consumer payments
🥉 3. XDC (XDC Network by XinFin)
Utility: Trade finance, tokenization, smart contracts, enterprise use
Strength: EVM-compatible hybrid blockchain; low gas fees
Edge: Chosen by global trade finance platforms
✅ ISO 20022-compliant
📊 Ideal for smart contract-based enterprise systems
🏅 4. ALGO (Algorand)
Utility: Smart contracts, tokenization, CBDC infrastructure
Strength: High throughput, low fees, carbon-negative
Edge: Chosen by El Salvador & other governments for national projects
✅ ISO 20022-aligned
🌍 Excellent for CBDCs and digital identity systems
🏅 5. IOTA (MIOTA)
Utility: Machine-to-machine payments, IoT, supply chain tracking
Strength: Directed Acyclic Graph (DAG), feeless transactions
Edge: Unique tech for IoT systems in smart cities
✅ ISO 20022-aligned
🤖 Best for future machine economy integration
✅ 6. HBAR (Hedera Hashgraph)
Utility: Fast enterprise-grade public ledger for payments & tokenization
Strength: Governing Council includes Google, IBM, LG, etc.
Edge: High TPS with energy-efficient architecture
✅ ISO 20022-aligned
🏛️ Positioned for enterprise-level deployment & gov-tech
✅ 7. QNT (Quant Network)
Utility: Blockchain interoperability (Overledger), CBDC infrastructure
Strength: Plug-and-play for banks to connect different blockchains
Edge: Partners with UK, EU financial systems, LACChain
✅ ISO 20022-compatible
🧠 Perfect for connecting legacy banks to crypto
🆗 8. ADA (Cardano)
Utility: Smart contracts, identity, governance
Strength: Research-driven, scalable PoS platform
Edge: Strong presence in Africa (digital ID, education)
💡 ISO 20022 alignment ongoing, not yet confirmed
🧬 Growing in government and academic blockchain applications
⚠️ Honorable Mentions (ISO 20022 potential but unconfirmed):
Coin Symbol Notable Use
Stellar USDC USDCISO-compliant stablecoin on XLM
Ripple CBDCs VariousPrivate ledgers under XRP ecosystem
Algorand USDT USDTCBDC pilots on ALGOEthereum
(ETH) ETH Not ISO-compliant but essential in DeFi & token standards
🧠 Summary:
If you're looking to future-proof your portfolio for global financial adoption, the top ISO 20022 coins to accumulate are:
XRP > XLM > XDC > ALGO > HBAR > QNT > IOTA
