The International Organization for Standardization (ISO) has clarified that no cryptocurrency currently complies with the ISO 20022 standard, countering widespread online claims. This announcement highlights the technical differences between cryptocurrencies such as XRP, XLM, and ADA, and the ISO 20022 message structures. Meanwhile, SWIFT has successfully transitioned to ISO 20022-only payments, having retired its legacy MT messaging formats as of November 22, 2025.