• XDC 2.0 introduces forensic validator accountability and high-performance Layer-2 chains to support regulated financial systems and asset tokenization.
• Quant’s Overledger connects isolated blockchain networks, enabling cross-chain applications and ISO 20022-compatible data flows for enterprises.
• Algorand and IOTA offer energy-efficient consensus models and digital identity tools, supporting compliant financial interactions across global markets.

As financial systems worldwide shift to ISO 20022 standards, several blockchain projects are stepping up to meet the demand for compliant, secure, and interoperable digital infrastructure. In 2025, platforms like XDC Network, Quant, Algorand, and IOTA are leading this transformation by aligning advanced blockchain architectures with global financial messaging requirements. These networks are not only facilitating real-world asset tokenization and multi-chain communication but also offering scalable, enterprise-ready ecosystems. 

XDC Network(XDC): Enhances Enterprise Utility with XDC 2.0 Upgrade

Source : CoinMarketcap

The XDC Network has emerged as a strong ISO 20022-compliant blockchain infrastructure tailored for real-world asset tokenization and trade finance. Built with EVM compatibility, XDC incorporates a Delegated Proof of Stake (DPoS) consensus that improves scalability, reduces transaction costs, and enhances security. Its architecture includes a Layer-2 subnet framework that supports the launch of permissioned sidechains, making it suitable for institutions such as banks, governments, and corporate enterprises requiring dedicated environments.

As of January 2025, more than 300 validator masternode candidates are active on the XDC Network, with 108 operating as full validator masternodes. Each validator must stake 10 million XDC to participate. The network completed its mainnet upgrade to XDC 2.0 in Q4 2024. This upgrade introduced advanced Byzantine fault tolerance through an automated forensic validation mechanism developed by a team led by Professor Pramod Viswanath from Princeton University. These features strengthen XDC’s positioning as a trusted infrastructure for compliant financial systems.

Quant(QNT): Bridges Blockchain Networks with Overledger Technology

Source : CoinMarketcap

Quant is recognized for its interoperability-driven approach, positioning itself as the first blockchain operating system to connect multiple distributed ledger technologies. The project revolves around its Overledger network, which enables seamless communication between blockchains and allows developers to build decentralized multi-chain applications, referred to as MApps. These MApps can operate across networks without compromising performance or security.

The core utility of Quant’s native token, QNT, lies in its role within the Overledger framework. Developers are required to hold QNT to access and build applications on the platform. This architecture allows institutions to integrate blockchain features without modifying existing systems. Quant’s infrastructure is aligned with ISO 20022 messaging standards, which enhances its appeal to enterprise and financial service providers focused on compliant data and payment exchange.

Algorand(ALGO): Offers Secure and Scalable Network for Financial Applications

Source : CoinMarketcap

Algorand is a self-sustaining, permissionless blockchain network that supports a variety of financial and commercial applications. Its protocol was designed to deliver high-speed performance and robust security without compromising decentralization. The Algorand mainnet went live in 2019 and has consistently demonstrated its capability to handle large-scale operations, with daily transaction throughput reaching close to 1 million by late 2020.

Algorand’s consensus mechanism is based on a Pure Proof of Stake (PPoS) model, which promotes decentralization while maintaining efficiency. This infrastructure supports a wide range of use cases, including smart contracts, asset tokenization, and digital identity solutions. As a blockchain project aligned with ISO 20022 principles, Algorand offers a reliable platform for financial services seeking compatibility with next-generation messaging standards and compliance frameworks.

IOTA(IOTA): Delivers Tangle-Based Architecture for Scalable Digital Transactions

Source : CoinMarketcap

IOTA is distinct from traditional blockchains due to its use of a Directed Acyclic Graph (DAG) structure, known as the Tangle. This architecture enables a feeless and scalable environment ideal for secure data and value transfers. Designed to support Web3 applications, IOTA provides tools for deploying smart contracts, creating custom Layer-2 chains, and managing digital assets through native token and NFT minting capabilities.

IOTA enables the development of Ethereum-compatible contracts and Layer-2 ecosystems, while maintaining high performance and low energy consumption. It includes a digital identity framework that supports secure and verifiable online interactions. These innovations position IOTA as a key ISO 20022-aligned project contributing to compliant and sustainable digital infrastructure for institutions and users.