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XRP and XLM lead 2025’s crypto rebound, but new ISO 20022 token Remittix may outshine them in cross-border payments.
The first few months of 2025 were rocky for crypto, but one of the tokens that weathered the storm the best was XRP, with the XRP price performing better than most. But scroll a bit further down the list, and see that Stellar’s XLM is also not doing too badly.
These two tokens have much in common; both networks provide cross-border payments and comply with the ISO 20022 standard, which will become mandatory later this year. This could increase the XPR price, and XLM could follow, but what if there is another cross-border payment token that simplifies the process and can pull the rug from XRP and XLM? This is where Remittix comes in, and it could be the shining star of 2025.
XRP: XRP does well on the back of ISO 20022
While the rest of the cryptosphere has been reeling since the February downturn, the XRP price suffered relatively minor damage. This is because RippleNet is ISO 20022 compliant, a standard all financial communications must comply with by November 2025. In this regard, XRP is running in the inside lane; its network is already widely implemented in banks and financial institutions, especially in Asia.

The XRP price has been up 12.5% this year so far, in stark contrast to Ethereum, which is down almost 50%. XRP is locked in for the ISO 20022 implementation, and the bull signals of a 500% increase are there. But can other tokens steal its thunder?
Stellar: The underdog that can steal the show
Stellar and XRP are so close that they could be twins. On the face of it, XLM has not done brilliantly in the market downturn, but it has gained a number of places in the market cap rankings. Like XRP’s RippleNet, XLM’s Stellar is ISO 20022 compliant and is definitely a dark horse that can take a chunk of XRP’s market share.

It is evident that in the last week of the market recovery, XLM has outpaced the more established XRP, a clear shot across the bow that XLM means business. Fortunately, one does not have to choose, and investors can invest in both, hedging some XLM growth while the XRP price makes an upward climb.
Remittix: The third option may take the title
While XRP and XLM play within the TradFi sandbox, the new PayFi solution Remittix takes global payments outside of the banking system and into the hands of investors. Remittix has changed the rules of the game, giving the world the first-ever crypto-to-fiat payment system where Remittix users can use the crypto system to make payments into almost any fiat bank account in the world.
Remittix cuts out the middleman, which means lower fees, almost instant clearances, and none of the regulatory hurdles and red tape obstacles to worry about. The potential here is massive, and the investment case for Remittix is not one that can be ignored. Even YouTube crypto vloggers say so.
Conclusion
While XLM hopes to rise on the coattails of a rising XRP price, which in turn is banking heavily on the banking systems, newcomer Remittix is taking the ball and running with it.
The XRP price could go up 500%, and XLM could follow, but even those numbers pale compared to what Remittix can offer its early adopters.
Remittix is now available during presale at $0.0757.
To learn more about Remittix, visit the Remittix presale and join the online community.
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