SWIFT Issues ISO Deadline: Will XRP Or HBAR Benefit More?

SWIFT’s ISO 20022 deadline tightens cross-border payment rules, highlighting XRP (RippleNet) and Hedera Hashgraph (HBAR) as potential beneficiaries. The piece argues XRP’s On-Demand Liquidity could leverage structured data for instant cross-border settlements, while Hedera focuses on on-chain logging of ISO data and enterprise tokenization. By November 2026, banks must use structured data; XRP’s network may gain immediate adoption in payments, with HBAR targeting broader enterprise use cases.