XDC Network vs IOTA
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XDC is built around trade finance, with tokenized trade instruments on TradeFinex and a vendor-described ISO 20022 API (Impel), while IOTA, a staking Move-based Layer 1 since May 2025, works in the same digital-trade space through ADAPT; neither is on ISO's RMG member list
How XDC Network and IOTA differ
Both aim at trade documents. XDC is a masternode-run, EVM-compatible Layer 1 with 108 masternodes each staked with 10 million XDC, a self-reported 2,000 TPS, deterministic finality of about six seconds after XDC 2.0, and tokenized trade instruments settled on TradeFinex. IOTA reached digital trade after rebuilding itself on May 5, 2025 as a Move-based Layer 1 on delegated proof of stake, launched with 13 validators, and it pursues country deployments through ADAPT; its Foundation reports over 50,000 TPS with about 400 ms finality, figures the profile did not find in IOTA's technical documentation. On fees, XDC's are fractions of a cent after a 50-fold rise in 2.0, and IOTA charges computation plus storage fees.
ISO 20022 standing: XDC vs IOTA
Neither is a member. XDC's Impel is described on its own site as an ISO 20022 API for banks and corporates, a vendor description. IOTA's profile found no ISO 20022 conformance statement or payment-rail integration and calls the tie aspirational rather than operational. The site scores ISO integration 6 for XDC and 3 for IOTA, and the tiers are Aligned and Adjacent.
What to watch on each side
IOTA's ADAPT program has three countries confirmed to deploy on IOTA mainnet and five more beginning pilots, the clearest institutional signal its profile names. XDC's evidence, per its white paper and foundation reports, is IMDA TradeTrust integration in 2022, the R3 Corda bridge, the Trade Finance Distribution Initiative selection in 2021 and Circle's native USDC in 2025. On the site's hand-set scorecard, XDC leads on adoption (5 to 4), market strength (5 to 4), and ISO integration (6 to 3); IOTA leads on speed (8 to 4); the two are level on developer activity at 6 and regulation at 4.
Where XDC vs IOTA differ
| Metric | XDC | IOTA | Gap |
|---|---|---|---|
| TPS | 2,000 (self-reported) | 50,000+ (IOTA-reported) | IOTA lists 25x the throughput of XDC (not like for like: XDC is self-reported, IOTA is IOTA-reported) |
| Finality | 6 seconds | ~400 ms avg (IOTA-reported) | IOTA finalizes about 15x sooner (range midpoints) (not like for like: XDC is unlabeled, IOTA is IOTA-reported) |
| Transaction fee | Fractions of a cent (project-stated) | Variable (computation + storage fee) | Fee tier: XDC Very Low, IOTA Not sourced |
| Launch year | 2019 | 2015 | IOTA is 4 years older |
| Market cap | $652.74M | $206.72M | XDC is 3.2x the size of IOTA |
Key partners on our spec sheet: none in common (4 listed for XDC, 4 for IOTA).
Specs are curated by hand and can lag real-world changes; market cap is live.
Scorecard: XDC vs IOTA
Hand-set 0-10 scores, not benchmarks. How they work
| Dimension | XDC | IOTA | Edge |
|---|---|---|---|
| Speed | 4 | 8 | IOTA +4 |
| Adoption | 5 | 4 | XDC +1 |
| Developer activity | 6 | 6 | Level |
| Regulation | 4 | 4 | Level |
| Market strength | 5 | 4 | XDC +1 |
| ISO 20022 integration | 6 | 3 | XDC +3 |
30-day move, indexed to 100
Over the last 30 days XDC moved +21.5% and IOTA moved +14.5%, so XDC finished 7.0 percentage points ahead of IOTA. That is a 30-day snapshot, not a trend.
Deep Dive Verdict
The AI verdict for XDC vs IOTA is not published yet.
Not financial advice. Scores are hand-set and the verdict is AI-generated. Do your own research.
Questions about XDC vs IOTA
Which has more government or trade-body programs?
Each has some. IOTA: ADAPT, developed with the AfCFTA Secretariat, the Tony Blair Institute and the World Economic Forum, with Kenya, Morocco and Nigeria chosen as the first countries. XDC: per its white paper, membership of the International Trade and Forfaiting Association in 2020, selection for the Trade Finance Distribution Initiative in 2021 and integration with Singapore's IMDA TradeTrust in 2022.
Which has stablecoin and cross-chain integrations?
XDC: Circle announced native USDC and CCTP V2 on XDC Network on September 17, 2025, and the XDC Foundation reports LayerZero and Stargate integration for cross-chain transfers. IOTA's profile lists neither; its recent items are Starfish on mainnet on April 23, 2026 and priorities such as IOTA Names and local gas fee markets.
Where are the teams behind each network based?
XDC was built by XinFin, a Singapore company incorporated in June 2017. The IOTA Foundation is registered in Berlin, Germany, and Rebased launched on mainnet with 13 validators, the Foundation plus 12 other operators.
Can I convert or swap XDC to IOTA?
Yes, through an exchange or a crypto-to-crypto swap service that lists both coins. Before you swap, compare the fees and the exchange rate, send each coin on the right network to the right address, and check the platform works in your region. Same steps for IOTA to XDC. This site does not run swaps or recommend any platform; this is general information, not a recommendation.