Pi Network Competes in the ISO 20022 Arena: A New Threat to XRP and XLM?

Jakarta, Pintu News – Pi Network (PI) is now taking strategic steps to comply with the ISO 20022 standard, which will be key in the evolution of global payment systems. With the November 2025 deadline fast approaching, Pi Network seeks to comply with this standard, aligning with Ripple (XRP) and Stellar (XLM), in integrating crypto, banking, and AI-powered finance.

What ISO 20022 means for Blockchain Payments

ISO 20022 is a uniform standard for financial messages that enables banks and payment systems to exchange richer, faster and more structured data. It replaces the older SWIFT MT system and is already supported by more than 11,000 institutions worldwide. Once the November 2025 deadline arrives, only ISO 20022-compliant messages will be accepted over the SWIFT network, marking a permanent change in the way cross-border payments are processed.

Ripple and Stellar have aligned their networks with this standard, gaining an edge in real-world payment integration. For Pi Network, conformance to ISO 20022 could open the door to becoming a bridge between digital assets and traditional banking. ISO 20022 promises to revolutionize the efficiency and security of financial transactions.

With more structured data, the risk of errors and fraud is minimized, while transaction speed is increased. This is an opportunity for Pi Network to demonstrate its capability to face global challenges and meet increasing market expectations.

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Pi Network Challenges and Opportunities

Pi Network’s vision goes beyond just payments. It aims to combine decentralized computing, mobile-based finance, and AI integration in a single ecosystem. This unique “three-in-one” approach, as a payment network, computing platform, and financial gateway, offers potential that even Ripple and Stellar have yet to fully explore.

If successful, Pi Network can demonstrate how community-driven projects are moving from mobile mining to globally recognized payment infrastructure. However, achieving conformance with ISO 20022 requires meeting the rigorous data and messaging standards that traditional finance relies on.

Pi Network’s success in meeting the ISO 20022 standard will depend largely on its ability to establish the necessary technical and compliance framework. It’s not just about technology, but also about building trust and ensuring strict regulatory compliance. With the right infrastructure in place, Pi Network can become a key player in the global financial ecosystem.

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Pi Network Competition with Industry Leaders

Whether Pi Network’s large user base can turn into institutional-level adoption is still a question. Pi Network’s strength lies in the loyal global community that actively supports ecosystem development, from the OpenMind AI project to decentralized finance experiments.

However, success under ISO 20022 will depend on Pi’s ability to build the necessary technical and compliance framework to match Ripple and Stellar.

As financial institutions prepare for the November 2025 changes, the spotlight is now on Pi Network. The coming year will determine whether it can evolve from a community experiment to a recognized player in global finance.

Pi Network’s success in competing with industry leaders will be an important indicator of its adaptability and innovation in blockchain technology. With the right strategy and effective execution, Pi Network has the potential to change the competitive map in the digital payment industry.

Conclusion

As the ISO 20022 implementation deadline approaches, Pi Network has a unique opportunity to not only meet global standards but also to redefine the interaction between blockchain technology and the traditional financial sector. Their success in meeting this challenge will not only prove the strength of their technology but also their relevance in the ever-evolving digital economy.

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Reference

• Coinpedia. Pi Network News: Can Pi Compete with Ripple and Stellar under ISO 20022? Accessed on November 12, 2025
• Featured Image: Coinpedia