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The world of money is changing fast. On November 22, 2025, SWIFT will fully adopt ISO 20022 and retire its old messaging. Most people don’t realize that only seven cryptocurrencies 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 means, see the fu