The world of money is changing fast. On November 22, 2025, SWIFT will fully adopt ISO 20022 and retire its old messaging. Most people aren’t aware that only a select group of coins are already fully compliant with this new financial standard: **XRP, XLM, XDC, QNT, ALGO, HBAR, and IOTA**. If you want to know how this works and what it means, check