Stellar
Again the digital asset XLM isn't inherently compliant with ISO 20022 for similar reasons to XRP. ISO 20022 is a standard for financial messaging within the traditional financial system, while XLM is a digital asset. XLM uses the Stellar Consensus Protocol (SCP).
Stellar is a member of the ISO 20022 standards body and focused on fast low-cost cross-border payments utilizing the standards financial messaging for interoperability between traditional and blockchain based systems.
Therefore again you can't use one without the other so the compliancy is through Stellar and the transactions are through XLM.
Stellar’s infrastructure supports ISO 20022 messaging, making it compatible with systems adopting the standard, like SWIFT’s updated framework!
Key Features:
Decentralized - SCP allows anyone to run a node and participate in consensus without requiring permission, making it open source.
Low Latency - like XRP transactions are confirmed in 3-5 seconds making Stellar suitable for real-world financial applications like remittances and microtransactions.