XRP in Focus as Fed’s ISO 20022 Goes Live – What Traders Should Know

Several altcoins are in the spotlight following the implementation of ISO 20022 for the Fedwire Funds Service on Monday, July 14. While analysts cite different altcoins, Ripple’s XRP has taken notable interest amidst hype around the international messaging standard.

With the development amidst broader market optimism, XRP, among other altcoins, could benefit from this perceived bullish fundamental.

Fed’s ISO 20022 To Boost Payment Efficiency

After years of consultation with the industry, Federal Reserve Financial Services (FRFS) rolled out ISO 20022 on Monday. It is a new messaging standard that delivers a real-time gross settlement system.

More closely, the transition enables cross-border payments with better data sharing, ultra-fast money transfers, and most importantly, streamlined compliance.

Confirmed: Implementation of #ISO20022 message format on July 14 for the Fedwire® Funds Service: #payments #financialservices #banking

— Federal Reserve Financial Services (@FRBservices) June 18, 2025

Based on this, several altcoins have come into focus, including XRP, Cardano (ADA), Stellar (XLM), Algorand (ALGO), Quant (QNT), and Hedera (HBAR), among others.

This selection comes as only a few projects comply with the financial messaging standard of ISO 20022. Altcoins that align with this standard emerge as clear frontrunners amidst a broader push for contemporary banking infrastructure.

“…very big deal for XRP, Stellar, Algorand, Quant, and yes…Cardano. Fedwire is shifting to ISO 20022, global financial messaging standard that flows data seamlessly across banks, institutions, and blockchains…. [ the tokens are] positioned to plug into this new era of financial interoperability,” wrote Dan Gambardello, founder at Crypto Capital Venture.

Several analysts agree with this sentiment, including John Squire, a renowned social media influencer who highlighted this transition as a gateway into utility season.

Ideally, with more infrastructures adopting ISO20022, compliance-friendly cryptos with real-world utility are poised to enter the actual payment and settlement layer.

XRP, in particular, is in the spotlight, given its operation as a bridged asset within RippleNet, Ripple’s enterprise-grade network for banks and payment providers.

With RippleNet qualified to directly integrate with the upgraded banking infrastructure, XRP is poised to benefit. RippleNet offers near-instant and low-cost transfers, elements that complement Fedwire’s objectives.

Notably, the FRFS settles trillions in payments, and the latest move puts the US on par with Europe-based SWIFT and the rest of the contemporary financial system.

6/ So is $XRP affected by ISO 20022? Absolutely. Here’s why:When global payment rails switch to ISO 20022, systems like RippleNet can integrate more easily.RippleNet adoption = more corridorsMore corridors = more #XRP utilityMore XRP utility = more demand

— $589 (@589CTO) July 13, 2025

Despite optimism around ISO 20022 and perceived implications for XRP and other altcoins, some say implementation may take time. This could ultimately delay the price impact.

ISO 20022 compliance is significant but let's maintain perspective. While it enables interoperability with traditional finance, actual adoption and integration will take time.

— T (@agentic_t) July 14, 2025

XRP Price Outlook with a Bullish FVG in Focus

The daily chart for the XRP/USDT trading pair shows Ripple’s token is trading with a bullish bias. It recorded a series of higher highs over the past week. XRP faces immediate resistance at $2.9750, a multi-month roadblock that continues to limit further upside.

However, with the Relative Strength Index (RSI) at 65, there is still room for further upside before XRP is considered overbought.

Increased buying pressure above current levels could cause Ripple’s price to overcome the supplier congestion zone at $2.9750. This would see it confront the late January 2025 resistance at $3.1454.

In a highly bullish case, XRP could retest the early January highs around $3.3022. Such a move would constitute a 14.75% climb above current levels.

Meanwhile, with momentum easing, seen with the falling RSI, late bulls can buy XRP at a discount as the price drops. Potential accumulation zones include the $2.7346 level, where initial support rests. Further, the bullish FVG (fair value gap) between $2.6629 and $2.5678 may also be a good entry.

For XRP, the FVG represents a price imbalance after the Ripple price increased strongly and quickly. The move left a gap, leaving an imbalance or inefficiency in the market, suggesting XRP may be temporarily overbought.

To balance the inefficiency, the price will likely retest this zone and potentially bounce. This renders the area between $2.6629 and $2.5678 a buying opportunity.

XRP Price Performance. Source:

However, a daily candlestick close below the consequential encroachment (CE) or midline of the FVG at $2.6168 could invalidate the bullish FVG. This would render it an inversion fair value gap (IFVG). Such a move would signify a change in market sentiment to bearish.

In such a directional bias, XRP bulls could look for another entry around the 50-, 100-, or 200-day Simple Moving Averages (SMAs). These SMAs are at the $2.2720, $2.2503, and $2.3785 levels, respectively.