Federal Reserve’s ISO 20022 Rollout May Enhance XRP Utility Amid Payment System Upgrade

Key Points

1. The Federal Reserve Financial Services (FRFS) officially implemented the ISO 20022 messaging standard on July 14, 2025, upgrading the Fedwire Funds Service to support real-time gross settlement.

2. ISO 20022 improves interoperability between banks, financial institutions, and blockchain networks, aligning the U.S. payment system with global counterparts like SWIFT.

3. XRP, along with other ISO 20022-compliant cryptocurrencies like Cardano (ADA) and Stellar (XLM), is positioned to benefit from this upgrade due to its compatibility with the new standard.

4. RippleNet, Ripple's payment network, complements Fedwire’s objectives, potentially positioning XRP as a strategic bridge asset in the financial system.

5. Technical analysis indicates a bullish trend for XRP, with resistance near $2.9750 and potential upside targets at $3.1454 and $3.3022 if buying pressure intensifies.