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A fresh flare-up over XRP’s oft-repeated “ISO 20022 compliance” claim is forcing a basic but consequential distinction back into view: Ripple, the private company that builds enterprise payment software, is not the XRP Ledger, the open, decentralized network that settles XRP transactions. The latest round was ignited by investor Jake Claver, who asserted that “before any other cryptocurrency, XRP prioritized… ISO 20022 compliance,” adding that “the network processes more than $434 billion in transactions every day,” and casting ISO 20022 as the bridge that will let Ripple “tokenize and transfer massive volumes of assets” across banking rails. Claver’s post went viral. It also drew a categorical rebuttal from Matt Hamilton, Ripple’s
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