XRP и XLM готовятся занять лидирующие позиции в преддверии ISO 20022 от SWIFT

cryptonews.ruPublished on 2025-04-20Last updated on 2025-11-21

Европейский платежный совет, SEPA, SWIFT и большинство традиционных крупных банков отказываются от старого стандарта МП и переходят на ISO 20022 к 22 ноябрz 2025 года. Это поднимает вопрос о том, какие криптовалюты станут частью нового стандарта финансовых сообщений.

XLM и XRP готовы к стандарту ISO 20022

Обновление произойдет на этой неделе, и SWIFT ожидает, что к началу 2026 года 90% всех транзакций будут переведены на ISO 20022. Группа управления регистрацией (RMG), ключевая организация, стоящая за соответствием ISO 20022, имеет довольно много членов или материнских компаний, связанных с популярными уровнями 1.

Ripple (XRP), Stellar Lumens (XLM), Hedera Hashgraph (HBAR) и Algorand (ALGO) являются членами организации, а Ripple присоединилась к ней в 2020 году. Stellar последовала ее примеру, предоставив обоим альткоинам OG шанс реформировать блокчейны DLT, например, XRP и XLM, обеспечив взаимодействие со SWIFT и другими банковскими гигантами изнутри.

Играя ключевую роль во внедрении стейблкоинов, включая CBDC, стандарт обмена сообщениями ISO 20022 наиболее благоприятен для соответствующих требованиям альткоинов с крупной капитализацией, которые уже доказали свою ценность в трансграничных платежах или традиционных банковских интеграциях.

Противостояние XRP и XLM: кто имеет преимущество

BlackRock и JP Morgan активно аккумулируют монеты, соответствующие стандарту ISO 20022. Ripple активно сотрудничает с более чем 300 банками и финансовыми платёжными системами, такими как Santander, SEB, и активно внедряет собственный стейблкоин RLUSD, а Stellar (XLM) активно сотрудничает с MoneyGram и IBM World Wire, но объёмы торгов по ним не дотягивают до объёмов торгов XRP.

Учитывая, что объём спотового рынка Ripple (XRP) постоянно превышает 2 миллиарда долларов, неудивительно, что альткоин растёт с относительно небольшими комиссиями за транзакции. Однако объём фьючерсного рынка на споте в четыре раза превышает 2 миллиарда долларов. Спрос на XRP на бессрочные опционы, достигший 8 миллиардов долларов за 24 часа, свидетельствует о новой тенденции среди трейдеров, стремящихся к потенциально большей прибыли.

Объем торгов Stellar Lumens (XLM) зачастую не выходит за пределы дневного диапазона в 100–200 млн долларов, а средний объем транзакций, совершаемых ежедневно на XLM, не может конкурировать со средним показателем в 40 млн транзакций на Ledger XRP, хотя обе цепочки на основе технологии распределенного реестра (DLT) обрабатывают блок в среднем за 5 секунд.

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