Crypto researcher SMQKE has recently drawn attention to the foundational role Ripple (XRP) and Stellar (XLM) play in the global financial system’s transition toward blockchain-enabled infrastructure. According to SMQKE, both projects are already “wired into the future of finance” through formal inclusion in international technical standards that guide interoperability, compliance, and design of blockchain systems. These standards are central to how distributed ledger technologies (DLTs) interact with traditional banking networks. HOW RIPPLE AND STELLAR ARE ALREADY WIRED INTO THE FUTURE OF FINANCE Ripple and Stellar are already embedded in the global standards guiding how blockchain networks connect to the financial system. Here’s how: The ISO 20022 messaging format is now the foundation for… https://t.co/86SMX3J3Yg pic.twitter.com/MIOde0ExLb — SMQKE (@SMQKEDQG) May 26, 2025 Integration into ISO 20022 Financial Messaging Framework The ISO 20022 standard is now the dominant format for structuring financial messaging across international payments. It is used to ensure that payment instructions, account details, and transaction metadata can be uniformly read and processed by banks, payment processors, and increasingly, blockchain networks. SMQKE highlights that Ripple and Stellar are referenced within ISO documentation as examples of DLT systems that align with this standard, allowing seamless messaging across different infrastructures. The attached image from the tweet further supports this point. It presents a proposed architecture in which a multi-blockchain gateway is structured to enable interaction between ISO 20022-compliant institutions and blockchain platforms such as Ripple and Stellar. The image reveals how the gateway handles identity verification, messaging compliance, and data transactions between formats. It illustrates how financial institutions can route messages and transactions to Ripple and Stellar-based platforms using familiar ISO-defined structures. Direct Recognition in IEEE Technical Standards In addition to their inclusion in ISO documentation, Ripple and Stellar are directly named in the IEEE blockchain reference framework, developed under IEEE 4210. This framework categorizes the major technical components of distributed systems, such as consensus mechanisms, network types, processing layers, and storage structures. Ripple Consensus and Stellar Consensus are listed among notable protocols, alongside proof-of-work and proof-of-stake models. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 This is significant because the IEEE framework is used by developers, regulators, and architects of financial systems as a guide for building scalable, secure, and regulatory-compliant blockchain applications. Having Ripple and Stellar consensus models in this architecture indicates that these platforms are compatible with established norms and serve as illustrative examples of viable consensus approaches within regulated environments. Implications for XRP and XLM By being embedded in both ISO and IEEE standards, Ripple and Stellar offer more than just technological solutions; they are part of a formal reference structure used by the global financial industry. According to SMQKE, this positioning means that the native assets of these platforms, XRP and XLM , respectively, are already integrated into the conceptual blueprints being used to design the future of interoperable finance. The documentation presented in the tweet shows a clear path forward. Where institutions can use familiar messaging protocols like ISO 20022 while transitioning to blockchain infrastructure without abandoning compliance or functionality. Ripple and Stellar’s roles in these frameworks affirm that they are not external alternatives, but rather foundational elements of next-generation financial architecture. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post XRP and XLM Are already Integrated into Blueprints for Blockchain-enabled Finance appeared first on Times Tabloid .
