Breaking: Cardano (ADA) Joins XRP as ISO 20022-Compliant Asset – Here’s Why It Matters

The crypto elite just got a new member. Cardano's ADA officially joins Ripple's XRP on the prestigious ISO 20022 list—the financial industry's golden standard for payment messaging.

Why this isn't just another regulatory checkbox:

• Institutional doors swing wide open: Banks and payment giants now view ADA as a 'serious' asset (unlike those meme coins Wall Street still pretends to ignore).

• Liquidity tsunami incoming: Expect trading volume spikes as legacy finance dinosaurs finally connect their creaky systems to Cardano.

• The ultimate irony? While TradFi struggles to implement ISO 20022 (looking at you, SWIFT), these blockchain projects just... did it. No $500 million consultants required.

Hoskinson's quiet grin says it all—this is the kind of boring-but-critical milestone that separates actual infrastructure from speculative vaporware. Of course, the real test comes when banks start using ADA for cross-border transfers... if they can stop debating committee meeting protocols long enough to hit 'go.'

TLDR

• Charles Hoskinson highlighted ADA’s inclusion among cryptocurrencies benefiting from the ISO 20022 financial messaging standard.
• ADA is the only smart contract-capable token listed in the infographic alongside XRP and XLM.
• Hoskinson emphasized that ISO 20022 support is vital for bridging traditional and decentralized finance.
• XRP’s adoption of ISO 20022 in 2020 paved the way for wider cryptocurrency integration into financial systems.
• Cardano’s commitment to ISO 20022 aims to enhance interoperability between blockchain and traditional banking systems.

Charles Hoskinson, founder of Cardano, highlighted the importance of ADA’s alignment with the ISO 20022 standard. In a recent post, he shared an infographic that includes ADA among cryptocurrencies poised to benefit from the global financial messaging standard. This recognition places Cardano alongside other major assets such as XRP and XLM.

Charles Hoskinson Commends XRP’s ISO 20022 Efforts

Charles Hoskinson emphasized that ADA is the only smart contract-capable token listed in the ISO 20022-compatible assets. He mentioned that this inclusion shows ADA’s growing role in the broader financial landscape. The infographic positioned ADA with XRP, XLM, and other tokens recognized for their contributions to cross-border payments.

Hoskinson explained that ISO 20022 is a crucial step in bridging traditional and decentralized finance. By supporting this standard, ADA can interact with financial systems globally in a more seamless manner. This interaction is essential for Cardano’s long-term vision of enhancing open banking through blockchain-based assets.

Charles Hoskinson also highlighted XRP’s continued importance within the ISO 20022 framework. XRP, a prominent player in cross-border payments, was one of the first cryptocurrencies to embrace the standard. Its focus on payment solutions has led to broader adoption of ISO 20022 among financial institutions worldwide.

ISO 20022 support is essential to open banking and combining the tradFi and DeFi worlds. Ada is Glad to be holding the line with XRP, HBAR, ALGO, and others pic.twitter.com/9uZX4xgeQ3

— Charles Hoskinson (@IOHK_Charles) November 10, 2025

The integration of XRP with ISO 20022 began in 2020, when Ripple joined the messaging standard. Since then, Ripple’s support for the framework has played a crucial role in the growth of cross-border payments. Hoskinson commended Ripple’s efforts and expressed that ADA’s support for ISO 20022 aligns with similar goals.

Cardano’s Commitment to ISO 20022 and Open Banking

Cardano’s inclusion in the ISO 20022 list underscores its focus on interoperability and scalability. Hoskinson reinforced that ADA’s support for the standard aligns with its larger vision of connecting traditional banking systems with blockchain networks. As more financial institutions adopt ISO 20022, ADA’s role in this ecosystem is expected to grow.

Earlier this year, the U.S. Federal Reserve fully embraced ISO 20022, with more than 80% of global financial institutions expected to adopt the standard by the end of 2025. This widespread adoption is a testament to the importance of the ISO 20022 standard for global finance. Charles Hoskinson expressed confidence that ADA will continue to play an integral role in this transformation.

As Hoskinson pointed out, ISO 20022 will allow ADA to integrate smoothly with traditional financial institutions. The adoption of the standard by global banks and financial entities is crucial for ADA’s future in decentralized finance. Charles Hoskinson also reaffirmed Cardano’s commitment to supporting this initiative, ensuring ADA’s continued growth in the financial sector.