📘💡 Key Facts
- ISO 20022 has no certification authority for digital assets.
- XRP, while used within Ripple’s ecosystem, is not ISO-certified.
- XRPL activity has not shown a major spike tied specifically to ISO 20022 going live.
- XRP has documented at least two confirmed periods above $3: January 2018 and January 2025.
🔍📚 ISO 20022 Certification Myth—What the Standard Really Covers
The ISO 20022 FAQ clearly states that “there is no official certification authority for ISO 20022.” The standard governs financial messaging formats, not the approval of cryptocurrencies or blockchain tokens.
This means no digital asset — including XRP — can be “ISO 20022 certified,” and no such recognition process exists. ISO 20022 defines message structures used by banks, payment networks, and institutional systems, not token validation.
🏦🛑 RippleNet Aligns With ISO, But XRP Is Not Certified
Ripple, the company behind RippleNet, is part of the ISO 20022 standards community and designs its messaging systems to be compatible with ISO-formatted financial data. However, this does not extend certification to XRP itself. RippleNet may support ISO 20022 messaging structures, but XRP operates on the XRP Ledger (XRPL), a decentralized blockchain that ISO does not evaluate or approve. Therefore, the idea of “ISO 20022-certified tokens” is based on a misunderstanding.
📉🔗 XRPL Activity Shows No ISO-Driven Surge
Although ISO 20022 has gone live across global banking infrastructures, XRPL activity has not shown a significant spike directly linked to the transition. While XRPL remains active and widely used for payments and transfers, its network metrics do not demonstrate an ISO-related surge. This distinction matters: ISO 20022 adoption in banking does not automatically translate into increased XRP or XRPL usage.
💲📊 XRP Price History: Mostly Below the $3 Range
Across its lifespan since 2013, XRP has traded mostly below $3.
This aligns with publicly available historical pricing data:
- XRP spent the majority of its early years under $1.
- Even during broader crypto bull markets, XRP rarely approached the upper $2 range.
- The $3+ level has been reached only during extreme market peaks.
Although the specific “$2.95” threshold is arbitrary, the general statement—that XRP has traded below the high-$2 range for most of its existence—is true.
🚀🔥 How Many Times Has XRP Surpassed $3?
Public historical data confirms at least two documented periods where XRP’s price exceeded $3:
- January 2018 — XRP hit its first all-time high above $3, with different exchanges reporting between $3.30 and $3.80.
- January 2025 — XRP again broke the $3 level, surpassing $3.00 for the first time in seven years.
There may have been brief intraday spikes on certain regional exchanges, but these two events are the widely verified periods across global price aggregators. Therefore, the precise and accurate statement is:
XRP has documented at least two confirmed breakouts above $3.
📎⭐ Key Takeaways
- ISO 20022 does not certify cryptocurrency tokens.
- RippleNet aligns with ISO messaging, but XRP remains outside ISO’s scope.
- XRPL activity did not surge due to ISO 20022 activation.
- XRP has traded below $3 for most of its history.
- The token has gone above $3 only twice in confirmed records (2018 and 2025).
⚠️📢 Disclaimer
Disclaimer:
This article is for informational purposes only and does not constitute financial or investment advice. This report was created with AI assistance and curated by DNIR Staff for accuracy and editorial standards.
Source: Digital News & Investigative Reports (DNIR) — CNIRBC.com
