 
 
Market interest in ISO 20022 tokens has climbed sharply recently. Investors are beginning to understand what these assets represent beyond the usual market narratives.
ISO 20022 is the global banking communication standard that unifies how payments, data, and settlements move across institutions. Tokens that align with this framework are designed to integrate directly with the future infrastructure of regulated finance. This distinction is driving a new wave of institutional attention.
Recent commentary highlights that most discussions around ISO 20022 overlook its practical meaning. These tokens are built for specific roles within a financial system where interoperability and verified data matter.
That said, XRP remains the most notable example due to its established capacity for cross-border settlement and its regulatory progress. Meanwhile, Stellar’s XLM has carved out a position in remittances and micropayments, powering NGO payments that require low fees and predictable finality.
What’s more, HBAR offers outstanding enterprise-grade security and a governing council of major corporations, making it a natural fit for identity, security, and supply chain applications.
 
Furthermore, other networks offer equally tailored value—Algorand’s ALGO benefits from fast and inexpensive transactions designed with compliance in mind. IOTA supports machine-to-machine payments with zero fees, which aligns it with the maturing Internet of Things (IoT) sector.
Moving on, Quant’s QNT serves as a distinct interoperability infrastructure rather than a traditional blockchain. This infrastructure enables institutions to connect disparate networks with minimal friction.
Meanwhile, Cardano’s ADA appeals to investors who prioritize security and predictability, reinforced by its peer-reviewed model and architecture that can adapt to future regulatory requirements.
XDC also commands interest because it focuses on trade finance, a sector with deep institutional demand that few blockchain projects directly address.
Analysts emphasize that these assets aren’t hype-driven tokens but are built for institutional-grade functions that future financial systems may operate on.
The current enthusiasm stems from the belief that these networks are still early in their adoption cycles and are misunderstood mainly by retail participants. With that, their relevance as global infrastructure is expected to continue growing as the market shifts toward standardized digital communication.