THE NEW SOLUTION
ISO 2002
2
Technology For Finance
Rich data automates payments, cuts screening false positives, boosts compliance & insights. Standardized for global efficiency & innovation.
Backed By Leading Blockchain Investors And Founders
ABOUT ISO 20022
Why ISO 20022?
ISO 20022 is a standard for XML financial messaging. Used for payments, securities & trade to enhance efficiency.
Importance
ISO 20022 makes it easier to plug into new rails like XRPL while keeping compliance intact and involving in it investment projects.
- ISO 20022 provides the universal data format for payments.
- Bridging Old and New Finance.
- XRPL provides the real-time, low-cost settlement layer
Compliance
Some cryptocurrencies, including XRP, are designed or positioned to be compatible with ISO 20022 standards, meaning they can integrate more easily with banking systems.
ISO 20022 makes it easier to plug into new rails like XRPL while keeping compliance intact and involving in it investment projects
Secure & Safe
The XRP Ledger is an open-source, decentralized blockchain designed for fast, secure and low-cost settlement of transactions.
3–5 seconds per transaction.
Fractions of a cent per transfer.
Uses worldclass security architecture to securely transmit data.
FEATURES
ISO 20022 spreads Trust everywhere
ISO 20022 is the new universal language for financial data, and the XRP Ledger is a settlement engine. Combined, they allow traditional banks and modern blockchain networks to interoperate smoothly for faster, cheaper, and more transparent global payments. Providing a network with the biggest ROI.
63M
Global users
60%
Minimal Return On Investment
POSSIBILITIES
What does it mean for Your business?
From 2023 onward, many global payment networks, including SWIFT, have begun transitioning to ISO 20022 to unify financial messaging.
FEATURES
ISO 20022 is the new universal language for financial data
The XRP Ledger is an open-source, decentralized blockchain designed for fast, low-cost settlement of transactions. While ISO 20022 is about messaging standards, the XRP Ledger is about value settlement.
TESTIMONIAL
Over 400 companies are already onboard and using ISO 20022
Jenny Wilson
Director of ContentI've tested numerous technologies, but this one is leaps and bounds ahead of the competition. It's phenomenal.
David Liyan
Director of ContentWe were able to go live on day one smoothly, with no issues and without any impact on our customers, One of the best decisions we ever made.
Robert Fox
Director of Content“The service offered us the opportunity to review internal processes and identify areas for greater automation and Straight Through Processing rates.”
TECHNOLOGY
How does ISO 20022 work for business?
A bank could send an ISO 20022 payment message via SWIFT or another network, while settlement happens on the XRP Ledger. This creates an interoperable system between traditional finance and blockchain.
Frequently Asked Questions
Popular questions about ISO 20022
While ISO 20022 is about messaging standards, the XRP Ledger is about value settlement. Together, they can complement each other in modern finance.
ISO 20022 is a global standard for electronic data exchange between financial institutions. It defines a common language and structure for financial messages, using XML/XRP/JSON-based syntax to carry rich, structured payment data.
The process involves: (1) Initiation of a payment request (e.g., bank transfer); (2) Formatting the request in ISO 20022 to capture details like sender, receiver, purpose, fees, and compliance data; (3) Transmission through networks like SWIFT, SEPA, or FedWire; and (4) Processing by receiving institutions, which reduces errors and enables straight-through processing
The XRP Ledger is an open-source, decentralized blockchain for fast, low-cost transaction settlement. It processes transactions in 3–5 seconds at fractions of a cent, using a unique consensus protocol (not Proof of Work). Key use cases include cross-border payments, remittances, liquidity management via On-Demand Liquidity (ODL), tokenization of assets, and a built-in decentralized exchange.
ISO 20022 handles messaging standards for financial data, while the XRP Ledger provides value settlement. They complement each other by enabling interoperability: ISO 20022 offers a universal data format for payments, and XRPL delivers real-time, low-cost settlement. For example, a bank can send an ISO 20022 message via traditional networks, with settlement occurring on XRPL, bridging traditional finance and blockchain.
It facilitates easier integration for banks into new rails like XRPL while maintaining compliance. For XRP, ISO 20022 compatibility positions it as a bridge currency in global payments. As major markets migrate to ISO 20022 by 2025, blockchains like XRPL can enhance settlement, leading to faster, cheaper, and more transparent global payments with potential high ROI (minimum 60%) starting from November 22nd, 2025.
Be part of the future
From 2023 onward, many global payment networks, including SWIFT, have begun transitioning to ISO 20022 to unify financial messaging.
