The arrival of ISO 20022 is transforming the entire financial landscape, but many are still debating who will be the "ultimate winner." In fact, the future game is about interoperability, not a single monopoly.



Looking at the positioning of these three projects makes it clear: XRP primarily supports institutional liquidity and cross-border settlement needs, making it a true B2B player; HBAR has more influence in the enterprise tokenization field, with ETF, funds, and real asset tokenization as its stages; XLM focuses on global remittances and consumer payment scenarios, with the most direct C-end applications.

These are not competitive relationships but rather division of labor and collaboration. The ISO 20022 track is gradually replacing traditional banking systems, and the entire flywheel has just begun to turn. The upcoming opportunities may be even greater than imagined.
XRP-0.38%
HBAR-1.96%
XLM-0.64%
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RugPullAlarmvip
· 5h ago
Wait, have you analyzed the flow of large addresses for these three projects? You keep talking about interoperability every day, but I want to see how extreme the fund concentration really is... XRP has institutional-level liquidity, right? But that huge amount locked in the Ripple wallet— is the unlocking schedule really transparent? Don’t just listen to the concepts; on-chain data doesn’t lie.
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MEVHunterZhangvip
· 01-09 00:06
Ha, the idea of interoperability sounds quite idealistic, but when market competition heats up, can everyone still be so amicable? Honestly, the XRP team has never given up on the dream of unification. Don't be fooled by the idea of "division of labor." Wait, is HBAR really that popular in RWA? I feel like XRP is also quietly making moves... I've heard the term "flywheel spinning" too many times; the problem is it has to really start spinning. It still depends on who can lock in institutional clients first—that's the true winner. ISO 20022 has been around for so long; why haven't we seen traditional banking systems being "gradually replaced" yet? That's overpromising.
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SelfCustodyIssuesvip
· 01-08 03:50
Interoperability is greater than monopoly, I agree with this logic, but can XRP really handle the institutional side? Wait, isn't the remittance scenario of XLM being targeted by too many projects... The ISO 20022 opportunity is indeed significant, but I'm worried it might just be a bunch of projects rushing to claim territory and ending up abandoned. These three projects have very clear roles, but who is actually using them in reality? Just listen, don't believe everything. XRP for B2B, HBAR for tokenization, XLM for payment matching—sounds perfect, but I don't know when exactly it will be realized. Is the flywheel just starting to turn? I think it's still in the acceleration phase; the real test has yet to come.
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Layer2Observervip
· 01-08 03:37
Interoperability is indeed key, but this judgment needs to be verified—have XRP, HBAR, and XLM truly found clear commercial pathways?
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just_vibin_onchainvip
· 01-08 03:37
Interoperability > Winner-takes-all, this logic makes sense. I agree with the respective tracks of the three, but I still believe that the key is who can truly penetrate the ecosystem first.
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MemeKingNFTvip
· 01-08 03:36
Interoperability > Monopoly alone, that's quite an interesting statement. It feels like someone has finally awakened the dreamers. XRP, HBAR, XLM each dominate their own territories. Instead of competition, it's more about each finding their own needs. Truly, the rise and fall of the mainland have their own strengths. I'm optimistic about ISO 20022 this wave, but it depends on who can truly implement it. Many projects are just talk on paper. --- It's another beautiful vision of division of labor and collaboration. I just want to know when they will truly connect. --- Institutional level, enterprise level, consumer level... the segmentation is quite detailed. I'm just worried that in the end, it's still a variant of the same old scam. --- Is the flywheel just starting to turn? I feel like it's already spun a few rounds but is still going in circles. --- This story is quite well told this time, but it all depends on on-chain data to speak. --- So ISO 20022 is the next narrative? I've been shaken too many times already; I'm a bit tired. --- The concept of interoperability has been around for a long time. The real test is who can survive until that day.
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