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Don't remind me again today

HodlKumamon

2025-11-22 08:24:54

Remember November 22.

The old SWIFT MT message format is officially retiring from today—the global payment system is now required to switch to the new ISO 20022 standard. This isn’t a pilot, it’s a mandatory requirement. What does this mean for the cross-border payment sector? All banking institutions must comply with the new rules, and data structures and transmission protocols need to be fully adapted.

Compliant chains like XRP prepared early for ISO 20022 compatibility, and projects like XLM, HBAR, ALGO, and QNT have now positioned themselves on the right side. Market sentiment will definitely react in the short term, and in the long run, the cross-border payment sector has truly reached a key inflection point.

The compliance route has been a tough journey over the past couple of years, but now the traditional financial system is actively moving in this direction.

XRP-8.1%

XLM-7.53%

HBAR-8.65%

ALGO-6.92%

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0xSherlock

· 11-25 05:39

Now traditional finance is actively coming over, those who positioned themselves early with ISO20022 are already laughing, and those that should rebound are rebounding.

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SandwichTrader

· 11-24 07:49

Wait a minute, can XRP really benefit from this wave of dividends? It feels like I hear this same argument every time. TradFi is really getting serious this time, but will banks actually use public chains? I'm a bit skeptical. Compliance should have come a long time ago, it has been delayed so much, and now suddenly it’s stuck, feels forced. QNT is an interesting dark horse, but who can guarantee it’s not another signal for playing people for suckers? There will definitely be short-term rises, but the question is how long can it last? The hype around ISO20022 won’t last too long, everyone still needs to see if there are real applications coming down the line. Even traditional finance has compromised, this is indeed a turning point, but I still feel there are too many uncertainties. Anyway, with this level of policy advancement, institutions must have already been lying in ambush, retail investors still need to be cautious.

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GasWastingMaximalist

· 11-23 14:23

Indeed, this wave of ISO20022 transition is subtly changing the rules of the game, and the banks are forced to take sides. XRP has been waiting for this, just watching when TradFi would compromise, and now it has. The road to Compliance may be slow, but now the big players also have to follow, and this is what we call getting on board. I estimate that next week someone will start touting this as a financial revolution, which is indeed not wrong, but it's getting tiresome.

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CodeAuditQueen

· 11-22 17:44

Wait, can the ISO20022 switch really solve the reentrancy attack problem of cross-chain bridges? Or is it just changing the data format while the underlying risks still exist?

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BlockchainRetirementHome

· 11-22 08:54

Wow, we finally waited for this day, the SWIFT system should be replaced. The XRP community really hit the jackpot this time, institutions that are just realizing it now have to rely on the big players, haha. The path of Compliance is not a loss, even the financial pros can't hold on any longer.

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wrekt_but_learning

· 11-22 08:52

This wave on November 22 is truly a key turning point—traditional finance is finally being forced to compromise. XRP sensed it early on, and now it’s clear that it bet on the right direction. Projects compatible with ISO20022 really deserve to take off. After enduring such a long road to compliance, now it’s the big institutions’ turn to adapt to our pace. I’ve always believed this is the right way for crypto to go mainstream—it’s not about hype, it’s about system-level recognition.

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NotGonnaMakeIt

· 11-22 08:44

Bro, this ISO20022 wave is really about to change the game, but the XRP crowd shouldn’t celebrate just yet—banks aren’t necessarily going to buy in. Traditional finance actively coming over? I doubt it. These guys only act polite because they realize they need us. For coins like XRP and HBAR to really benefit from this, the key is who can actually deliver real-world adoption first, not just talk big. These kinds of standard overhauls usually take two or three years to really show results. There might be some short-term hype, just make sure you don’t get dumped on. There’s been way too much hype in the cross-border payments sector these past couple of years, but only a few projects can actually land real bank deals. I’m just watching to see who can survive in the end.

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rekt_but_not_broke

· 11-22 08:30

Bro, I told you a long time ago that XRP isn’t just hype—look at it now, even SWIFT has to bow down. The ones who bet on ISO20022 are all smiling big right now. Traditional finance is showing weakness on its own; our sector finally has a shot at a comeback. It’s time for compliant chains to feast again—I like this momentum. Wait a second, QNT is skyrocketing too? Feels like I just missed out on a fortune. Between XLM and HBAR, who’s the real winner? Let’s see them battle it out. November 22—mark this date, this is the turning point. Seriously? The whole world’s switching standards? That’s gotta hurt. All those years grinding for compliance weren’t for nothing—it’s finally our time to shine.

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CryptoComedian

· 11-22 08:29

Ha, finally traditional finance is coming over to curry favor, this time it's really not us chasing after them. The XRP crowd picked the right side this time, ISO20022 is that new "passport," the era of certified participation has arrived, hilarious. Over two years of sitting on the sidelines wasn't for nothing after all. This is what they call a blessing in disguise—now it's the time to cry poor while holding a golden bowl.

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