A contemporary flare-up over XRP’s oft-repeated “ISO 20022 compliance” declare is forcing a fundamental however consequential distinction again into view: Ripple, the non-public firm that builds enterprise cost software program, isn’t the XRP Ledger, the open, decentralized community that settles XRP transactions. The newest spherical was ignited by investor Jake Claver, who asserted that “earlier than some other cryptocurrency, XRP prioritized… ISO 20022 compliance,” including that “the community processes greater than $434 billion in transactions on daily basis,” and casting ISO 20022 because the bridge that can let Ripple “tokenize and switch large volumes of belongings” throughout banking rails. Claver’s submit went viral. It additionally drew a categorical rebuttal from Matt Hamilton, Ripple’s former Director of Developer Relations.
XRP–ISO 20022 Claims Debunked
Hamilton didn’t mince phrases. “XRP didn’t prioritise ISO20022 in any way. There may be actually nothing within the XRP Ledger codebase or community that has something in any respect to do with ISO20022. It has been completely a charade perpetuated by scammers like your self,” he wrote on August 12. The stark phrasing reprises a line he has taken for years towards the meme of “ISO-compliant cash,” arguing that ISO 20022 is a monetary messaging commonplace utilized by establishments—not a property a token can possess.
The pushback didn’t cease there. After one other account claimed that “to have the ability to provoke [ISO 20022], [cryptocurrencies] must have an API and solely chosen few have that API prepared,” Hamilton agreed with the premise about messaging however drew the identical boundary line: “Right. And the XRP Ledger doesn’t have that API.” When a separate consumer argued that Ripple is a member of the ISO 20022 requirements neighborhood and makes use of the format on RippleNet, “primarily for ODL,” Hamilton replied that such interoperability belongs to Ripple’s software program stack, to not the ledger itself: “RippleNet can work with ISO20022 compliant messages. However the XRP Ledger has no such performance.”
Claver subsequently acknowledged that “the submit ought to have mentioned ‘Ripple’ within the first sentence,” accepting the core correction whereas defending the broader thesis that ISO 20022-aligned infrastructure can funnel worth into crypto settlement layers. Hamilton wasn’t persuaded: “Exchange ‘XRP’ with ‘Ripple’ and the tweet makes even much less sense,” he countered, objecting to the leap from enterprise messaging alignment to claims about tokenization and XRP’s function by default.
Beneath the social-media warmth is a definitional level the trade has struggled to speak. ISO 20022 is a world methodology and information dictionary for monetary messages—suppose funds, securities, commerce, FX—that allows richer, structured, machine-readable payloads throughout banks and market infrastructures. It standardizes how messages are modeled and carried, not how worth is represented on a blockchain. That’s the reason requirements our bodies and market infrastructures—SWIFT for cross-border funds, central banks for high-value home rails—discuss ISO 20022 by way of message schemas, migration timelines, and coexistence home windows, not tokens.
That context additionally explains why Ripple’s company bulletins reference ISO 20022 on the network-integration layer. Ripple joined the ISO 20022 Registration Administration Group in 2020, billing itself as the primary DLT-focused participant and positioning RippleNet’s single API and information mannequin to interoperate with banks’ ISO-native flows. None of that turns the asset into an “ISO-compliant coin,” as a result of compliance, on this area, attaches to message codecs, programs integration, and operational processes.
None of this implies XRP can’t be utilized in workflows that originate from ISO 20022-formatted directions. Hamilton himself has repeatedly mentioned anybody could make funds on the ledger, and that RippleNet can translate ISO 20022 messages into no matter inside calls are wanted to orchestrate settlement, together with ODL-style flows that supply and settle liquidity with the token. What he objects to is the rhetorical shortcut that collapses company messaging compliance into token-level attributes, notably when it’s leveraged to suggest privileged regulatory standing or inevitable valuation upside.
At press time, XRP traded at $3.22.
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A contemporary flare-up over XRP’s oft-repeated “ISO 20022 compliance” declare is forcing a fundamental however consequential distinction again into view: Ripple, the non-public firm that builds enterprise cost software program, isn’t the XRP Ledger, the open, decentralized community that settles XRP transactions. The newest spherical was ignited by investor Jake Claver, who asserted that “earlier than some other cryptocurrency, XRP prioritized… ISO 20022 compliance,” including that “the community processes greater than $434 billion in transactions on daily basis,” and casting ISO 20022 because the bridge that can let Ripple “tokenize and switch large volumes of belongings” throughout banking rails. Claver’s submit went viral. It additionally drew a categorical rebuttal from Matt Hamilton, Ripple’s former Director of Developer Relations.
XRP–ISO 20022 Claims Debunked
Hamilton didn’t mince phrases. “XRP didn’t prioritise ISO20022 in any way. There may be actually nothing within the XRP Ledger codebase or community that has something in any respect to do with ISO20022. It has been completely a charade perpetuated by scammers like your self,” he wrote on August 12. The stark phrasing reprises a line he has taken for years towards the meme of “ISO-compliant cash,” arguing that ISO 20022 is a monetary messaging commonplace utilized by establishments—not a property a token can possess.
The pushback didn’t cease there. After one other account claimed that “to have the ability to provoke [ISO 20022], [cryptocurrencies] must have an API and solely chosen few have that API prepared,” Hamilton agreed with the premise about messaging however drew the identical boundary line: “Right. And the XRP Ledger doesn’t have that API.” When a separate consumer argued that Ripple is a member of the ISO 20022 requirements neighborhood and makes use of the format on RippleNet, “primarily for ODL,” Hamilton replied that such interoperability belongs to Ripple’s software program stack, to not the ledger itself: “RippleNet can work with ISO20022 compliant messages. However the XRP Ledger has no such performance.”
Claver subsequently acknowledged that “the submit ought to have mentioned ‘Ripple’ within the first sentence,” accepting the core correction whereas defending the broader thesis that ISO 20022-aligned infrastructure can funnel worth into crypto settlement layers. Hamilton wasn’t persuaded: “Exchange ‘XRP’ with ‘Ripple’ and the tweet makes even much less sense,” he countered, objecting to the leap from enterprise messaging alignment to claims about tokenization and XRP’s function by default.
Beneath the social-media warmth is a definitional level the trade has struggled to speak. ISO 20022 is a world methodology and information dictionary for monetary messages—suppose funds, securities, commerce, FX—that allows richer, structured, machine-readable payloads throughout banks and market infrastructures. It standardizes how messages are modeled and carried, not how worth is represented on a blockchain. That’s the reason requirements our bodies and market infrastructures—SWIFT for cross-border funds, central banks for high-value home rails—discuss ISO 20022 by way of message schemas, migration timelines, and coexistence home windows, not tokens.
That context additionally explains why Ripple’s company bulletins reference ISO 20022 on the network-integration layer. Ripple joined the ISO 20022 Registration Administration Group in 2020, billing itself as the primary DLT-focused participant and positioning RippleNet’s single API and information mannequin to interoperate with banks’ ISO-native flows. None of that turns the asset into an “ISO-compliant coin,” as a result of compliance, on this area, attaches to message codecs, programs integration, and operational processes.
None of this implies XRP can’t be utilized in workflows that originate from ISO 20022-formatted directions. Hamilton himself has repeatedly mentioned anybody could make funds on the ledger, and that RippleNet can translate ISO 20022 messages into no matter inside calls are wanted to orchestrate settlement, together with ODL-style flows that supply and settle liquidity with the token. What he objects to is the rhetorical shortcut that collapses company messaging compliance into token-level attributes, notably when it’s leveraged to suggest privileged regulatory standing or inevitable valuation upside.
At press time, XRP traded at $3.22.
Featured picture created with DALL.E, chart from TradingView.com
Editorial Course of for bitcoinist is centered on delivering totally researched, correct, and unbiased content material. We uphold strict sourcing requirements, and every web page undergoes diligent evaluate by our crew of high know-how specialists and seasoned editors. This course of ensures the integrity, relevance, and worth of our content material for our readers.
