When Moon 589?

A free tracking and education site for the 8 cryptocurrencies most often linked to ISO 20022 (XRP, XLM, HBAR, XDC, ALGO, IOTA, QNT, ADA): live prices, scenario forecasts, calculators, comparisons, and a weekly brief. The "589" is a long-running XRP community number. We break down where it comes from, with credibility labels, on the 589 Theory page.

No token is "ISO 20022 certified": that designation does not exist. Ripple/RippleNet is the only name on the ISO 20022 Registration Management Group (RMG) member list among these coins. The other commonly listed coins (XLM, HBAR, XDC, ALGO, IOTA, QNT, and ADA) are not on it, and their ISO 20022 claims range from vendor descriptions to none that we could source; XLM in particular is often described as a member, but it does not appear on the list. Our scorecard rates each one.

The big one already happened: SWIFT's MT/MX coexistence ended on November 22, 2025, and cross-border bank-to-bank payments now run on ISO 20022. The November 2026 wave that was supposed to follow (structured addresses + MT 101 retirement) was postponed by SWIFT on August 27, 2026, with no confirmed new date yet (expected by December 2026; unstructured addresses/MT101 can keep working until at least November 2027). The next confirmed date on SWIFT's calendar is June 12, 2027, for a separate part of the migration. Our deadline page has the full breakdown.

ISO 20022 alignment is a use-case driver, not a direct price catalyst. It positions these networks to plug into the payment rails banks are migrating to, but price moves on market demand, adoption speed, and macro conditions. We show the math, not predictions. Not financial advice; always do your own research.