Following SWIFT’s implementation of the ISO 20022 global messaging standard, DLT-based altcoins like Ripple (XRP) & Stellar Lumens (XLM) have an edge against competition due to inherent compatibility. Right now, Real World Assets (RWAs) are producing one of the strongest narratives in crypto, as tokenization requires blockchain infrastructure.
ISO 20022 Compliance Levels Up XLM & XRP
According to market researcher SMQKE, institutional demand is in the second phase of growth. Tokenizing liquidity faster due to the lenient regulatory atmosphere in the United States (USA), big banking institutions. Nevertheless, the recent market downturns had both Ripple (XRP) & Stellar Lumens (XLM) clinging on to their lower Bollinger Bands (BOLL).
Both networks excel SWIFT’s ISO 20022 compliance barrier due to their cost-effectiveness. The $1.7 trillion Real World Asset (RWA) ripe for digital transformation include bonds, treasuries, real estate and miscellaneous commodities. All of these tokenized digital assets present a massive opportunity for ISO 20022 compliant cross-border heavyweights.
XLM Trails Behind XRP In Volume, Not Potential
Both OG altcoins had their fair share of market corrections. For Ripple (XRP), the big breakthrough came in mid 2025. Ripple Labs had successfully found an agreement with the SEC, ending a 6-year old high-profile case for alleged sales of unregistered securities. Ever since, XRP Ledger garners billion in volume a day, while XLM’s activity is typically limited to $500M.
The positive legal headwinds pushed Ripple coin’s (XRP) price to a new all-time record of $3.65, but the popular remittance altcoin backtracked to roughly $1.80 today. For Stellar Lumens (XLM), the ride in 2025 has been quiet, as XLM is nearing a breakout from a prolonged correction.
The long-term downward trend began in 2018, says popular YouTuber & market analyst More Crypto Online. In their latest analysis, the trader presents two very contrasting scenarios. With the descending triangle from 2018 breaking out downwards, as low as 7 cents per XLM can be retested.
In a more bullish scenario, the support box roughly at $0.15 could assist in Stellar Lumen’s (XLM) trampoline to new all-time heights. In this case, $0.55 resistance level plays a pivotal part, with the most optimistic Elliott Wave-based projection pointing to a rally towards $1.80.
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RWA tokenization converts traditional assets like treasuries, bonds, real estate, and commodities into digital tokens on blockchains, enabling faster settlement, fractional ownership, and global liquidity.
Both the XRP Ledger (XRPL) and Stellar network excel in fast, low-cost transactions and institutional-grade features; XRPL hosts growing tokenized funds via partnerships like Archax, while Stellar leads with over $500M-$3B in tokenized assets from firms like Franklin Templeton.
Currently, tokenized RWAs stand around $24-30 billion in 2025, with forecasts ranging from $16 trillion to $50 trillion by 2030-2034, driven by institutional adoption and regulatory clarity.
Namely, Ripple advances XRPL for RWAs with built-in DEX, AMM, and stablecoin RLUSD; partnerships target $1B+ in tokenized assets by mid-2026, including treasuries and real estate.
Stellar boasts major tokenized treasuries and bonds, partnerships with WisdomTree and others, and infrastructure for cross-border RWAs, positioning it as a leader in emerging markets and regulated issuance.
