FedWire Adopts ISO 20022, Boosting Ripple’s ODL Infrastructure
On July 14, 2025, the U.S. Federal Reserve officially adopted the ISO 20022 messaging standard for its FedWire Funds Service. The global protocol enhances data clarity, streamlines cross-border payments, and strengthens compliance. Originally planned for March, the migration was delayed to allow institutions more preparation time. By year-end, over 80% of international financial flows are expected to use ISO 20022. Major blockchain networks including XRP, Stellar (XLM), Cardano (ADA), Algorand (ALGO), Quant (QNT) and Hedera (HBAR) already comply with ISO 20022. Following the FedWire upgrade, ISO-compliant tokens saw immediate market gains, with ALGO surging over 10% in 24 hours and daily volumes up 95%. Ripple anticipated this shift and joined the ISO 20022 Standards Body in 2020. Its On-Demand Liquidity (ODL) service powers instant settlement without prefunding. Ripple is also deepening its U.S. footprint with applications for a banking license and a Federal Reserve master account to launch its RLUSD stablecoin. As more banks seek ISO 20022-compliant partners, Ripple’s ISO-ready infrastructure and ODL platform stand to gain accelerated adoption and spur further bullish sentiment in ISO-aligned crypto assets.
Bullish
FedWire’s shift to ISO 20022 enhances cross-border payment efficiency and compliance, directly benefiting ISO-ready assets like XRP. In the short term, ISO-compliant tokens saw immediate price gains and volume spikes as traders anticipated higher institutional adoption. Over the long term, Ripple’s early ISO 20022 alignment and U.S. expansion—including its banking license application and RLUSD stablecoin—position XRP’s On-Demand Liquidity service for deeper integration with regulated financial systems. These factors support sustained bullish momentum for XRP.