ISO 20022 coins are cryptocurrencies linked to the ISO 20022 financial messaging standard, which is used by banks and payment systems worldwide to improve data quality and interoperability. This standard allows for richer, more structured transaction information, making cross-border payments faster and more transparent. Crypto projects often labeled as ISO 20022–compatible include XRP, Stellar (XLM), Algorand (ALGO), Hedera (HBAR), and XDC. While ISO 20022 compatibility does not mean these coins are officially adopted by banks, it suggests they are technically aligned with modern financial infrastructure and may play a role in bridging traditional finance and blockchain-based payment networks.