XRP and XLM Position for ISO 20022 Transition as SWIFT Migration Targets November 2025

Major payment networks including SWIFT are transitioning to the ISO 20022 messaging standard by November 2025, with 90% of cross-border transactions expected to adopt the new format by early 2026. Ripple and Stellar have secured membership in the Registration Management Group overseeing ISO 20022 compliance. XRP processes approximately 40 million daily transactions compared to XLM's 7 million, while maintaining significantly higher trading volumes and bank partnerships.