Jakarta, Pintu News – Interest in cryptocurrencies compatible with the ISO 20022 standard is back on the rise after CoinMarketCap released a special category for assets such as Ripple , Hedera , and Stellar .
This global messaging standard is now being adopted by international banks and payment networks, fueling speculation that compatible digital assets could benefit from institutional integration. However, despite the hype, the price charts of HBAR and XLM show significant downside risks amid the bearish sentiment of the crypto market.
ISO 20022 is a global financial messaging standard used for the exchange of payment data between banks around the world. The standard does not certify cryptocurrencies, but it does specify a data format that makes it easier for certain assets to be integrated into modern payment infrastructure. Therefore, cryptos that have endorsed the ISO 20022 message structure are seen as better prepared for wider institutional adoption.
CoinMarketCap now includes the category “ISO 20022 Coins,” which includes Ripple (XRP), Hedera (HBAR), and Stellar (XLM), three assets that focus on cross-border transfers and financial efficiency.
A number of tokens in this category recorded brief gains after the list was released, fueled by speculators hoping that large institutions will accelerate the integration of blockchain-based payment systems. However, these gains have not been strong enough to reverse the bearish trend that has pressured the market in recent months.
The price of Hedera (HBAR) has been moving down for almost a full year, following a downward pattern below the diagonal resistance line since the January cycle peak at $0.40 or about Rp6,616.
After a series of progressively lower peaks, selling pressure increased sharply in July 2025, indicating a breakdown point that reinforced the negative sentiment. Now, HBAR is again testing the critical horizontal support area at $0.135 or about IDR2,234, a zone that is considered to be decisive for the next direction of movement.
If HBAR fails to defend this area, the chart shows not much of a price support structure below it, opening up the opportunity for a drop towards $0.065 or about Rp1,074.
This drop is equivalent to a correction of more than 55% from the current price, making the area a very important resistance point for buyers. The momentum indicators are also yet to signal a recovery, with the RSI below 50 and the MACD moving negative. Both indicators confirm the strong bearish pressure.
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Stellar (XLM) showed a very similar movement pattern to HBAR, reinforcing concerns that other ISO 20022 cryptos are also facing the same risk. XLM price accelerated the decline after the rejection at the descending resistance line, which triggered a sharper correction. On the weekly chart, XLM has broken the horizontal support area of $0.235 or about IDR3,887, a level that was previously an important support in recent months.
Like HBAR, XLM’s technical indicators show strong bearish tendencies. The RSI is below the neutral level, while the MACD is in a negative area with no signs of reversal.
If XLM closes the weekly candle below this area, the market expects a further decline towards $0.135 or IDR2,234, which equates to a potential correction of around 45%. This confirms that the ISO 20022 hype alone is not enough to change XLM’s trend direction.
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HBAR and XLM are now at a critical juncture that could determine the direction of their movement in the long term. Although investor attention has increased thanks to CoinMarketCap’s new category, technical conditions still indicate a great risk of breakdown. If key support areas don’t hold, the market could see a continued decline despite the buzz around the institutional integration narrative.
At the same time, the ISO 20022 category sparked discussions regarding which assets are most ready for future banking adoption. Ripple (XRP), which leads the category, remains in the limelight due to its focus on global payments and institutional partnerships. However, the fate of HBAR and XLM will be largely determined by the ability of buyers to sustain long-term technical levels.
The ISO 20022 crypto trend is back in the news after CoinMarketCap released a special category highlighting XRP, HBAR, and XLM. However, while the institutional adoption narrative is strengthening, the charts of HBAR and XLM are showing great risk of breakdown from long-term support areas.
The price response in the next few weeks will determine whether the ISO 20022 hype is able to drive a recovery or if it accelerates the ongoing bearish trend.
ISO 20022 crypto is a digital asset that is compatible with the global financial message formats that banks use, making it easy to integrate into modern payment systems.
Hedera (HBAR) and Stellar (XLM) are designed for cross-border value transfer, so they have a structure that corresponds to the ISO 20022 messaging format.
HBAR is testing support around $0.135 or IDR2,234, which is the deciding point whether the price will rebound or breakdown.
XLM has broken the support of $0.235 or Rp3,887, and the RSI and MACD indicators show strong bearish momentum.
Currently, the hype is not enough, as the technical conditions of HBAR and XLM still show more dominant downward pressure.
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This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.
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