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The world of money is changing fast. On November bitcoin 22, 2025, SWIFT will fully adopt ISO 20022 and retire its old messaging. Most people haven’t heard that only a handful of digital assets are already 100% ready with this new financial standard: **XRP, XLM, XDC, QNT, ALGO, HBAR, and IOTA**. If you want to know how this works and what it mean