隨著金融系統在全球範圍內過渡到ISO 20022標準，正在開發和設計新的加密貨幣

ISO 20022是共享財務數據的新通用語言。它允許機構發送豐富，結構化和實時的付款消息

Financial systems worldwide are transitioning to the ISO 20022 standard. This new language for sharing financial data will allow institutions to send a rich, structured, and real-time payment messages enabling increased speed, intelligence, and transparency in financial services.

全球金融系統正在過渡到ISO 20022標準。這種用於共享財務數據的新語言將使機構能夠發送豐富，結構化和實時的付款消息，從而提高了金融服務的速度，智能和透明度。

If you’re a crypto investor, this development has important implications.

如果您是加密貨幣投資者，則這種發展具有重要的影響。

In This Guide, You’ll Discover:

在本指南中，您會發現：

* A new class of cryptocurrencies is being developed and designed for compliance, interoperability, and integration with the banks, governments, and payment providers.

*正在開發和設計一種新的加密貨幣，用於與銀行，政府和付款提供商的合規性，互操作性和集成。

* Key reasons why crypto plus ISO 20022 is a game-changer.

* Crypto Plus 20022是改變遊戲規則的關鍵原因。

* The top 10 ISO 20022 crypto tokens to watch in 2025.

*在2025年觀看的前10名ISO 20022加密代幣。

ISO 20022 Crypto Tokens at a Glance (2025 Summary)

ISO 20022 Crypto代幣一眼（2025摘要）

All of these coins are considered ISO 20022-aligned for their focus on regulated finance, compliance, messaging interoperability, and real-world institutional partnerships.

所有這些硬幣都被認為是ISO 20022的關注，因為它們專注於規範的財務，合規性，消息互操作性和現實世界中的機構合作夥伴關係。

Content Summary

內容摘要

Understanding ISO 20022 and Its Importance in Crypto

了解ISO 20022及其在加密貨幣中的重要性

ISO 20022 is a global standard for financial messaging. It provides a framework for how payment data is exchanged across borders from financial institution to financial institution, in a consistent, structured and machine-readable format. By 2025, ISO 20022 has replaced prior systems such as SWIFT in Europe, the United States, and Asia as the new universal language of payments.

ISO 20022是金融消息傳遞的全球標準。它提供了一個框架，以一致，結構化和機器可讀的格式在金融機構到金融機構之間如何交換付款數據。到2025年，ISO 20022取代了歐洲，美國和亞洲等先前的系統，為新的付款通用語言。

The Purpose of ISO 20022

ISO 20022的目的

Existing financial systems rely on siloed, antiquated messaging standards which create inefficiencies and transparency issues. ISO 20022 was developed to do the following:

現有的金融系統依賴於孤立的過時的消息傳遞標準，這些標準造成效率低下和透明度問題。 ISO 20022的開發以執行以下操作：

A Example: Today when you pay someone cross-border, your bank may be using legacy SWIFT messages which don’t contain enough data. ISO 20022 improves this by carrying a multitude of data within the payment including structured data—allowing for more automation and security.

一個示例：今天，當您向某人付款時，您的銀行可能會使用不含足夠數據的舊消息。 ISO 20022通過在付款中攜帶大量數據（包括結構化數據）來改善這一點，從而獲得更多的自動化和安全性。

What ISO 20022 means for crypto investors

ISO 20022對加密投資者意味著什麼

As we see the financial sector transition to ISO 20022, all digital assets enter the market with both recognition and alternatives. In the future, we will see crypto assets not as alternatives, but rather the cryptocurrency infrastructure for our traditional forms of finance.

正如我們看到的金融部門過渡到ISO 20022的過渡，所有數字資產都以認可和替代方案進入市場。將來，我們將看到加密資產不是替代品，而是我們傳統的金融形式的加密貨幣基礎設施。

Key Reasons Crypto + ISO 20022 is a Game-Changer:

Crypto + ISO 20022的關鍵原因是改變遊戲規則：

Ripple (XRP) – The Leading ISO 20022 Crypto for Cross-Border Payments

Ripple（XRP） - 領先的ISO 20022 Crypto用於跨境支付

💼 Overview

💼概述

Ripple’s XRP token is seen as arguably the primary ISO 20022 cryptocurrency. The Ripple network was designed to allow banks and payment service providers to make cross-border payments with a service that was faster, cheaper and safer.

Ripple的XRP令牌可以說是主要的ISO 20022加密貨幣。 Ripple網絡旨在允許銀行和付款服務提供商通過更快，更便宜和更安全的服務進行跨境支付。

Ripple’s enterprise service RippleNet is allowing financial institutions to get connected together in real-time with a robust network and settlement service using XRP as a bridge asset to convert for currency without pre-funding a Nostro account. Needed to send payments was just the trust in the settlement provided in real-time.

Ripple的Enterprise Service Ripplenet允許金融機構使用XRP作為橋樑資產來實時連接，並使用XRP作為橋樑資產來轉換貨幣，而無需預先資助nostro帳戶。需要發送付款只是實時提供的和解的信託。

How Ripple implements ISO 20022

Ripple如何實施ISO 20022

Ripple is a member of the ISO 20022 standards organization, and is one of several blockchain organizations to directly contribute to a level of standardization of global finance. It was designed to support the rich data messaging format that is ISO 20022 compliant.

Ripple是ISO 20022標準組織的成員，是直接促進全球金融標準化水平的幾個區塊鏈組織之一。它旨在支持ISO 20022符合ISO的豐富數據消息傳遞格式。

Use Cases

用例

Institutional Participation

機構參與

Ripple CEO Brad Garlinghouse stated he excited about the ISO 20022 transition that will represent “a paradigm shift of financial standards that will bridge from today’s global banking system into the decentralized infrastructure of tomorrow.”

Ripple首席執行官布拉德·加林豪斯（Brad Garlinghouse）表示，他對ISO 20022過渡感到興奮，該過渡將代表“金融標準的範式轉變，該標準將從當今的全球銀行體系橋接到明天的分散基礎設施。”

XRP Outlook for 2025

XRP Outlook 2025

XRP continues to be one of the largest cryptocurrency service easily integrated with different institutions. With a more agreeable regulatory framework in the U.S. after several years of contested litigation, and a new burst of energy into CBDC partnerships, XRP is going to play a prominent role in the digitization of global finance over the next decade.

XRP仍然是輕鬆與不同機構集成的最大加密貨幣服務之一。經過數年有爭議的訴訟，在美國有一個更愉快的監管框架，以及新的能源融入了CBDC合作夥伴關係中，XRP將在未來十年的全球金融數字化中發揮著重要作用。

Stellar Lumens (XLM) – A Decentralized Network for Inclusive Global Payments

Stellar Lumens（XLM） - 一個分散的全球支付網絡

💼 Overview

💼概述

Stellar Lumens (XLM) is one of the original and most well-known cryptocurrencies focused on international remittances and financial inclusion. Their system connects banks, payment systems, and users to allow ultra-fast and low-cost transactions while catering to the unbanked and underbanked.

Stellar Lumens（XLM）是針對國際匯款和金融包容的原始和最著名的加密貨幣之一。他們的系統將銀行，支付系統和用戶連接起來，以便在迎合未賬戶和賬單的同時進行超快速和低成本的交易。

Stellar was co-founded by Jed McCaleb (also co-founder of Ripple), who should be familiarized with XRP and its vision; Stellar shares some of the vision but is more decentralized and nonprofit.

Stellar是由Jed McCaleb（也是Ripple的共同創始人）共同創立的，他應該熟悉XRP及其視野。 Stellar分享了一些願景，但更加分散和非營利組織。

Why Stellar is ISO 20022?

為什麼恆星是ISO 20022？

Stellar’s open-source protocol is designed for structured, cross-border messaging and settlement, which is a good technical substrate for the ISO 20022 schema. While not a

Stellar的開源協議是為結構化的，跨境消息傳遞和結算而設計的，這是ISO 20022模式的良好技術基板。雖然不是