An urgent alert from Levi Rietveld of Crypto Crusaders has sent ripples through the XRP community. In a video posted to his X handle, Rietveld claims a seismic shift is coming for global payments—and he argues XRP is in the eye of the storm.
“In scope cross-border payment instructions sent or received via SWIFT must use the ISO 20022 message formats after November 22, 2025,” Rietveld warns. He pins this date as a structural pivot for bank-to-bank payments worldwide.
The migration requires banks to convert legacy message formats to the ISO 20022 standard, a change acknowledged by SWIFT.
Why ISO 20022 Raises Eyebrows in Crypto Land
ISO 20022 is a messaging standard for high-value payments, enabling richer structured data and improved interoperability. While banks upgrade messaging systems, the crypto community seizes on any overlap. Indeed, Rietveld says XRP is one of a handful of digital assets aligned with ISO 20022 and ready for this next phase.
SHOCKING XRP UPDATE #XRP #Crypto #cryptonews pic.twitter.com/pi6I1bYN57
— Levi | Crypto Crusaders (@LeviRietveld) October 29, 2025
XRP’s Place in the Narrative: Alignments vs Reality
Rietveld argues, “There are a few cryptocurrencies that are ISO 20022 compliant, one of which is XRP.” He points out two factors: market-cap leadership and system-integration efforts.
Although XRP enjoys high market visibility and enterprise usage via Ripple Labs, it’s critical to distinguish between ISO-compliant infrastructure and formal messaging-rail certification. Banks adopt ISO 20022 for messaging; they still choose payment rails and settlement assets based on commercial terms and liquidity.
What This Means for Holders and Investors
Investors should tread with both optimism and caution. The deadline in November 2025 represents a milestone, but it does not guarantee XRP will dominate. If banks and payment providers choose ISO-20022-ready rails that incorporate XRP, usage may rise—yet these paths depend on contracts and system adoption, not simply token alignment.
Final Takeaway
Levi’s warning sets a bold tone—and it is timely. “Mark your calendar right now,” he says in his video. The SWIFT migration on 22 November 2025 is real; XRP appears technically well-positioned, but the business realities remain complex.
For holders, the message is clear: this is a catalyst time, not a guarantee of a price lift. Conduct your research, understand the rails, and distinguish hype from structural change.