❌ The banking system you use today won’t survive the next decade, and these 4️⃣ cryptos are the reason why… The world is shifting to ISO 20022, a modern messaging standard that replaces the slow, outdated systems banks still rely on. And behind the scenes, four digital assets are helping build the infrastructure: ✅ XRP ✅ XLM ✅ HBAR ✅ and IOTA. They power cross-border settlement, currency conversion, enterprise-level speed, and machine-to-machine payments — all of which the future financial syste