The long-standing myth of XRP being an ISO 20022 compliant token has been definitively dispelled, with the SWIFT network transition leaving no room for ambiguity. As banks globally transitioned away from older messaging formats, a critical distinction emerged: Ripple’s technology and XRP’s role remain separate entities. Diana (@InvestWithD), a prominent voice in the XRP community, provided clarity on this point, citing Ripple CEO David Schwartz’s comments stating that ISO 20022 focuses solely on bank communication, not cryptocurrencies. This separation was further solidified by Schwartz’s clarification that RippleNet’s compatibility does not extend to XRP itself. The official ISO website also explicitly states that no cryptocurrency is compliant with ISO 20022, debunking various misleading lists circulating online. The confusion surrounding this transition stemmed from the integration of RippleNet within some banks’ systems, leading many to assume a connection between Ripple’s technologies and XRP’s compliance status. However, the shift in messaging formats was solely focused on communication standard implementation with no direct influence on crypto adoption, as highlighted by Schwartz’s clarification. Diana further emphasized this distinction, noting that while Ripple’s technology allows for smoother integration into modern payment systems, it does not make XRP a compliant token or grant banks automatic XRP usage. Schwartz’s comments effectively cut through the online narratives of confusion and emphasized the key distinction between Ripple technologies and XRP’s utility, providing definitive clarity regarding the true impact of ISO 20022 on the cryptocurrency space.