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The world of money is changing fast. On November 22, bitcoin 2025, SWIFT will fully adopt ISO 20022 and retire its old messaging. Most people don’t realize that only a select group of coins are already fully compliant with this new financial standard: **XRP, XLM, XDC, QNT, ALGO, HBAR, and IOTA**. If you want to know how this works and what it mea