With the U.S. Federal Reserve preparing to implement the ISO 20022 standard on July 14, 2025, some crypto analysts believe this change could benefit a group of cryptocurrencies – including XRP. A new video from @CryptoXAiMan has stirred interest by indicating the Fed’s move could be a key turning point for coins aligned with the messaging format.
Let’s break down what was said and how much of it holds up when compared with official sources.
What you'll learn 👉
ISO 20022 and the Fed: What’s Changing?
In the video, the presenter explains that the Fedwire Funds Service will officially switch to ISO 20022 messaging on July 14. The upgrade is meant to modernize financial communications by creating a unified standard across global payment systems.
While this move is confirmed by the Federal Reserve Financial Services website, it focuses only on messaging improvements. There’s no official mention of cryptocurrencies being included in the system or gaining any form of endorsement from the Fed.
Still, the video claims that ISO 20022-compliant tokens like XRP, XLM, XDC, ALGO, QNT, and HBAR may benefit from the change. According to the presenter, these assets are already built to work with ISO 20022 and could see price boosts as a result.
🚨 XRP is about to EXPLODE‼️
— Crypto X AiMan (@CryptoXAiMan) July 10, 2025
The @federalreserve FEDNOW + ISO 20022 GOES LIVE July 14th…👀
This changes EVERYTHING for XRP, XLM, XDC, ALGO, QNT & HBAR HOLDERS!
Are YOU ready? ⏳#XRP #XLM #XDC #ALGO #HBAR #QNT #altcoin #Bitcoin #XRPArmy #Crypto pic.twitter.com/fozPgBtobm
What the Analyst Thinks About XRP
The video places special focus on XRP. The presenter points out that XRP has shown a “buy signal” and appears ready for a breakout. He refers to past price action – specifically, a surge from $0.50 to $3 – to argue that history might repeat if similar conditions align.
The video also includes a chart of XRP and predicts the coin could break out of a multi-month consolidation range. The claim is that ISO 20022 adoption, along with historical patterns, could drive XRP to new all-time highs.
However, none of these predictions are backed by official announcements. The analysis is based on chart patterns and past movements, which don’t guarantee future outcomes.
Read also: Holding XRP? Here’s What Ripple Might Do for You by 2030
Are These Predictions Reliable?
There’s no question that ISO 20022 is a major shift for traditional finance, especially in how banks and payment systems communicate. But its direct connection to crypto prices remains speculative.
Official sources clearly describe the standard as a messaging upgrade, not a mechanism for crypto integration. While XRP and similar tokens may be technically aligned with ISO 20022, being compatible doesn’t mean they’ll be adopted or see price gains.
Much of the video relies on community sentiment and chart-based speculation. The broader crypto market, however, is shaped by many other forces – regulations, partnerships, macroeconomic conditions, and investor behavior.
Final Thoughts
The July 14 update to Fedwire is a real event, and it’s understandable why the crypto community is paying attention. But even though the timing may excite traders, there’s little evidence that ISO 20022 will directly impact prices for XRP or any other token.
What’s clear is this: if traders expect a breakout, they’ll need to see confirmation from the charts, real adoption news, or meaningful volume. Until then, it’s best to stay informed – just like always in crypto.
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