币界网报道：Ripple has emerged as a key player in the global financial system's transition to the ISO 20022 messaging standard, positioning its XRP Ledger as a critical payment rail for cross-border transactions. The adoption of ISO 20022, which aims to modernize financial messaging with richer data and improved interoperability, has gained momentum with major institutions like SWIFT and central banks worldwide. Ripple's technology, particularly its On-Demand Liquidity (ODL) solution, leverages XRP to facilitate real-time, low-cost international payments, aligning seamlessly with the new standard's requirements. Industry experts highlight that Ripple's infrastructure reduces settlement times from days to seconds while cutting costs by up to 60%, addressing long-standing inefficiencies in correspondent banking. Notably, over 100 financial institutions across 55 countries now utilize RippleNet, with recent partnerships including Bank of America and Santander. The company's focus on regulatory compliance—evidenced by its ongoing SEC case—further strengthens its credibility as a bridge between traditional finance and blockchain innovation. As central banks explore CBDCs, Ripple is actively engaging with policymakers to ensure interoperability between private and public digital currencies. Market analysts suggest that successful ISO 20022 integration could significantly boost XRP's utility and valuation, particularly in emerging markets where remittance corridors are being transformed. The convergence of regulatory clarity, institutional adoption, and technological readiness positions Ripple at the forefront of the payments revolution, with its solutions potentially processing 10% of global cross-border flows by 2025 according to internal projections.