随着金融系统在全球范围内过渡到ISO 20022标准，正在开发和设计新的加密货币

ISO 20022是共享财务数据的新通用语言。它允许机构发送丰富，结构化和实时的付款消息

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.

全球金融系统正在过渡到ISO 20022标准。这种用于共享财务数据的新语言将使机构能够发送丰富，结构化和实时的付款消息，从而提高了金融服务的速度，智能和透明度。

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

如果您是加密货币投资者，则这种发展具有重要的影响。

In This Guide, You’ll Discover:

在本指南中，您会发现：

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

*正在开发和设计一种新的加密货币，用于与银行，政府和付款提供商的合规性，互操作性和集成。

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

* Crypto Plus 20022是改变游戏规则的关键原因。

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

*在2025年观看的前10名ISO 20022加密代币。

ISO 20022 Crypto Tokens at a Glance (2025 Summary)

ISO 20022 Crypto代币一眼（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.

所有这些硬币都被认为是ISO 20022的关注，因为它们专注于规范的财务，合规性，消息互操作性和现实世界中的机构合作伙伴关系。

Content Summary

内容摘要

Understanding ISO 20022 and Its Importance in Crypto

了解ISO 20022及其在加密货币中的重要性

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是金融消息传递的全球标准。它提供了一个框架，以一致，结构化和机器可读的格式在金融机构到金融机构之间如何交换付款数据。到2025年，ISO 20022取代了欧洲，美国和亚洲等先前的系统，为新的付款通用语言。

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:

现有的金融系统依赖于孤立的过时的消息传递标准，这些标准造成效率低下和透明度问题。 ISO 20022的开发以执行以下操作：

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.

一个示例：今天，当您向某人付款时，您的银行可能会使用不含足够数据的旧消息。 ISO 20022通过在付款中携带大量数据（包括结构化数据）来改善这一点，从而获得更多的自动化和安全性。

What ISO 20022 means for crypto investors

ISO 20022对加密投资者意味着什么

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.

正如我们看到的金融部门过渡到ISO 20022的过渡，所有数字资产都以认可和替代方案进入市场。将来，我们将看到加密资产不是替代品，而是我们传统的金融形式的加密货币基础设施。

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

Crypto + ISO 20022的关键原因是改变游戏规则：

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

Ripple（XRP） - 领先的ISO 20022 Crypto用于跨境支付

💼 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令牌可以说是主要的ISO 20022加密货币。 Ripple网络旨在允许银行和付款服务提供商通过更快，更便宜和更安全的服务进行跨境支付。

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允许金融机构使用XRP作为桥梁资产来实时连接，并使用XRP作为桥梁资产来转换货币，而无需预先资助nostro帐户。需要发送付款只是实时提供的和解的信托。

How Ripple implements ISO 20022

Ripple如何实施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标准组织的成员，是直接促进全球金融标准化水平的几个区块链组织之一。它旨在支持ISO 20022符合ISO的丰富数据消息传递格式。

Use Cases

用例

Institutional Participation

机构参与

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首席执行官布拉德·加林豪斯（Brad Garlinghouse）表示，他对ISO 20022过渡感到兴奋，该过渡将代表“金融标准的范式转变，该标准将从当今的全球银行体系桥接到明天的分散基础设施。”

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仍然是轻松与不同机构集成的最大加密货币服务之一。经过数年有争议的诉讼，在美国有一个更愉快的监管框架，以及新的能源融入了CBDC合作伙伴关系中，XRP将在未来十年的全球金融数字化中发挥着重要作用。

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

Stellar Lumens（XLM） - 一个分散的全球支付网络

💼 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）是针对国际汇款和金融包容的原始和最著名的加密货币之一。他们的系统将银行，支付系统和用户连接起来，以便在迎合未账户和账单的同时进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的共同创始人）共同创立的，他应该熟悉XRP及其视野。 Stellar分享了一些愿景，但更加分散和非营利组织。

Why Stellar is ISO 20022?

为什么恒星是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的开源协议是为结构化的，跨境消息传递和结算而设计的，这是ISO 20022模式的良好技术基板。虽然不是