Long

A new post by fintech commentator Vincent Van Coode has sparked <a href="https://captainaltcoin.com/ripple-co-founder-offloads-millions-in-xrp-should-holders-worry/" target="_blank" rel="noopener noreferrer nofollow">conversation in the XRP and broader crypto community</a>. His take highlights Ripple’s unique positioning within global finance, pointing out that one of Ripple’s biggest challenges – and opportunities – lies in connecting thousands of disparate, legacy systems still used by banks worldwide.
<h3 class="wp-block-heading" id="ripple-and-iso-20022">Ripple and ISO 20022</h3>
According to Van Coode, Ripple was one of the earliest advocates of ISO 20022, the global standard for electronic data exchange between financial institutions. This standard provides a system-agnostic interface, allowing new and old systems to communicate seamlessly.
Now that banks and financial institutions are adopting ISO 20022, Ripple’s early commitment may prove to be a strategic advantage. Van Coode argues that this positions Ripple to deliver its technology as a core piece of financial plumbing in the decades ahead.
<blockquote class="twitter-tweet">
 One of the biggest hurdles Ripple (not XRP LEDGER) has is building systems that "talk" to 1000 of disparate, legacy systems. That is why Ripple was one of the very early advocates of ISO20022, as it provided a true, system agnostic interface between financial systems. And now…— Vincent Van Code (@vincent_vancode) <a href="https://twitter.com/vincent_vancode/status/1964489690851213632?ref_src=twsrc%5Etfw" target="_blank" rel="noopener noreferrer nofollow">September 7, 2025</a>
</blockquote>
<h3 class="wp-block-heading" id="a-mega-program-of-work">A “Mega Program of Work”</h3>
Van Coode described Ripple’s roadmap as nothing less than a “mega program of work,” spanning decades of incremental progress rather than any single, explosive milestone. The process involves multiple phases:
<ul>
 <li>Adoption: Establishing trust, overcoming compliance hurdles, and scaling demand.</li>
 <li>Growth: Reaching critical mass through majority adoption across institutions.</li>
 <li>Acquisition: A future stage where Ripple could resemble SWIFT – owned wholly or partially by its member banks.</li>
</ul>
This framing suggests Ripple is not aiming for short-term wins but for gradual transformation of the global financial system over the next century.
Read also: <a href="https://captainaltcoin.com/xrp-eth-and-even-u-s-stocks-the-dex-that-lets-you-trade-it-all/" target="_blank" rel="noopener noreferrer nofollow">XRP, ETH, and Even U.S. Stocks: The DEX That Lets You Trade It All</a>
<h3 class="wp-block-heading" id="opinion-a-realistic-yet-ambitious-take">Opinion: A Realistic Yet Ambitious Take</h3>
Van Coode’s analysis offers an important <a href="https://captainaltcoin.com/xrp-price-could-fall-further-as-multiple-indicators-flash-bearish-signals/" target="_blank" rel="noopener noreferrer nofollow">reminder for XRP supporters</a> and skeptics as well. The common narrative around Ripple often focuses on legal battles or speculation about <a href="https://captainaltcoin.com/ripple-xrp-price-prediction/" target="_blank" rel="noopener noreferrer nofollow">XRP</a> price. But his post reframes Ripple as a long-term infrastructure play, one that won’t move markets overnight but could fundamentally reshape how money flows worldwide.
It’s also worth noting that the “acquisition” scenario – Ripple being partly or fully owned by banks – would represent a profound shift. If realized, it could bring Ripple’s technology into the same category as SWIFT: a global, bank-owned cooperative. That possibility raises questions about how decentralized Ripple’s future will be and whether <a href="https://captainaltcoin.com/could-this-xrp-setup-be-the-beginning-of-a-rally-to-10/" target="_blank" rel="noopener noreferrer nofollow">XRP will remain central </a>to its operations.
Still, Van Coode’s perspective underscores that Ripple is playing a very long game, and ISO 20022 might be the bridge that makes its vision viable.
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The post <a href="https://captainaltcoin.com/ripples-iso-20022-advantage-analyst-explains-the-long-game-for-xrp-supporters/" rel="noopener noreferrer nofollow">Ripple’s ISO 20022 Advantage: Analyst Explains the Long Game for XRP Supporters</a> appeared first on <a href="https://captainaltcoin.com" rel="noopener noreferrer nofollow">CaptainAltcoin</a>.

Ripple’s ISO 20022 Advantage: Analyst Explains the Long Game for XRP Supporters

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