XRP and ISO 20022: what is really behind the compliance claim

No, XRP is not “ISO 20022 compliant”, and for a reason that settles the whole debate: a coin cannot be. ISO 20022 is a format for payment messages between banks and describes how a transfer is written down in technical terms. The standard says nothing about which means of payment moves in the end. Ripple, the company behind XRP, does indeed sit on the body that maintains this standard. That is a membership, not an approval of the token.