Pi Network Jumps Into ISO 20022 Race: A Crucial Year Ahead for Global Finance Integration

Pi Network is reportedly aiming to achieve compliance with the ISO 20022 financial messaging standard, a move that would align it with established blockchain payment platforms like Ripple (XRP) and Stellar (XLM).

The Significance of ISO 20022

• Global Shift: ISO 20022 is a new, unified standard that allows financial institutions to exchange richer, faster, and more structured payment data, replacing the outdated SWIFT MT system.
• The Deadline: By November 2025, only ISO 20022-compliant messages will be accepted through the SWIFT network, making compliance mandatory for participation in modern cross-border payments.
• Head Start: Ripple and Stellar have already adopted this standard, giving them an advantage in real-world banking integration.

Pi Network's Unique Opportunity

Pi Network's compliance efforts are seen as a potential bridge between its digital asset ecosystem and traditional banking. Unlike its competitors, Pi aims for a "three-in-one" approach, functioning as a:

1. Payment Network
2. Decentralized Computing Platform
3. Financial Gateway (with AI integration)

This holistic vision could offer capabilities that extend beyond what Ripple and Stellar currently provide.

The Challenge Ahead

While Pi Network benefits from a massive and loyal global community, translating this user base into institutional adoption is its main hurdle. Success hinges on whether the project can:

• Build the necessary technical and compliance framework to meet the stringent data and messaging standards required by ISO 20022.
• Evolve from a mobile-mining, community-driven project into a recognized, regulated participant in global payment infrastructure.

With the November 2025 deadline fast approaching, the next year will be critical in determining if Pi Network can join Ripple and Stellar as a legitimate player in the global financial landscape.

November 2025, Cryptoniteuae