Badiyari

Pi Network is taking a major leap toward becoming a recognized player in global finance. The project is reportedly moving closer to ISO 20022 compliance. A global messaging standard that connects traditional banking systems with digital assets. This move could place Pi alongside established names like Stellar (XLM) and Ripple (XRP). It is paving the way for seamless cross border payments and real world utility for its growing community of users.

#PiNetwork is edging closer to ISO 20022 compliance, aligning with Stellar $XLM and Ripple $XRP to bridge crypto and traditional finance.Built on Stellar’s Consensus Protocol, this upgrade could enable seamless bank integration and instant cross-border payments for 70M+… pic.twitter.com/rCZmQE5Hl8

— PiNetwork DEX 阿龙 (@fen_leng) November 3, 2025

Bridging Traditional Finance and Crypto

Built on the Stellar Consensus Protocol, Pi Network’s upgrade aims to make integration with banks and financial institutions smoother. If successful, it could enable instant and low cost cross-border transactions for more than 70 million users worldwide. The transition toward ISO 20022 would align Pi’s infrastructure with global financial systems. They already use the same standard for secure and structured payment communication.

This compliance could also boost Pi’s credibility with regulators and institutions. It signals that the project is ready to move beyond its experimental phase into a mature ecosystem capable of supporting serious financial operations. In short, Pi Network may soon shift from a community-driven experiment to a regulated, utility based payment network with global interoperability.

Massive Global Community Growth

Pi Network’s growth numbers continue to impress. According to recent data shared by community sources, the project has surpassed 100 million downloads. Moreover, now boasts over 70 million active miners globally. Of those, 25 million have completed KYC verification. It’s a crucial step toward future mainnet accessibility. The project’s expanding user base is driven largely by its mobile-first design. This allows people to mine Pi tokens using smartphones without high energy costs.

With over 6 billion unique mobile users globally, Pi’s accessibility gives it a major advantage in reaching unbanked or underbanked populations. However, questions remain about Pi’s token supply and valuation. With a total supply estimated at 100 billion Pi. Many in the community are speculating on whether the coin’s eventual market value will balance out against its massive circulation. Despite these debates, optimism remains high within the Pi ecosystem. As more real world projects begin to take shape.

MamboChain Leads the Utility Push

One company leading this charge is MamboChain Limited, a Kenya-based tech firm building real-world applications on the Pi Blockchain. The company runs two key projects: ThePitogoServices and WorkfletForPi. These are designed to promote the utility of Pi in daily transactions and decentralized work environments.

MamboChain’s mission emphasizes transparency, collaboration and inclusion. Its roadmap includes developing decentralized payment solutions and productivity tools. That allows Pi users to exchange services, transact and collaborate globally without relying on traditional intermediaries. This approach aligns closely with Pi’s vision of democratizing access to blockchain-powered tools.

Mining Rate Sees Steady Growth

In addition to the compliance efforts, Pi Network also updated its base mining rate for November 2025. The new rate stands at 0.0027551 π/hour. That marks a 0.53% increase from the previous rate of 0.0027405 π/hour. This means users can now mine approximately 24.1 Pi per year, excluding bonus rewards. While modest, the increase signals steady ecosystem growth and consistent engagement from its miners. 

As Pi Network continues to evolve toward ISO 20022 compliance and greater adoption. Consequently, these incremental updates strengthen confidence in its long term sustainability. However, Pi Network’s journey is far from over. But with millions of active participants, growing institutional alignment and new real-world applications emerging. The project is gearing up for a defining chapter in its story. One that could finally bridge crypto with traditional finance at a global scale.

The post Pi Network Eyes ISO 20022 Compliance for Global Payment Access  appeared first on Coinfomania.

According to Cointelegraph, XRP has experienced a remarkable surge, increasing over 600% since November and reaching a market capitalization of approximately $190 billion. This growth comes as the market evaluates the Ripple lawsuit settlement, regulatory clarity in the United States, and the momentum of exchange-traded funds (ETFs). Despite this rapid appreciation, questions arise regarding whether XRP's fundamentals have kept pace with its price.

XRP's valuation is significantly higher than its total value locked (TVL), with the XRP Ledger (XRPL) reporting a TVL of $87.74 million as of Monday, according to DefiLlama. The decentralized exchange (DEX) volumes on XRPL were $49,621 in the last 24 hours, while app fees totaled just $1,467. This indicates that XRP's market cap is over 2,200 times its DeFi TVL and approximately 363,000 times its annualized fee revenue. For XRP enthusiasts, the current valuation reflects optimism about XRPL's future growth, driven by factors such as settlement volumes, stablecoin growth, corporate treasury allocations, and ETF inflows.

XRPL hosts $175.9 million in tokenized assets, marking a 52.25% increase in a month, led by US Treasury debt, public equities, real estate, and stablecoins, according to RWA.xyz data. This rapid growth positions XRPL among the fastest in the Real World Asset (RWA) tokenization sector, suggesting expanding use cases that could enhance future XRP demand. However, XRP remains behind Ethereum, the leading layer-1 blockchain, which boasts a market cap exceeding $516 billion, a $92.06 billion TVL, and generates $10.48 million in daily app fees. Ethereum's market cap-to-TVL ratio stands at 5.6, and its market cap-to-annualized-fee ratio is 135, significantly lower than XRPL's.

From a technical perspective, XRP's recent rally shows signs of slowing momentum. A growing bearish divergence between its price and the relative strength index (RSI) suggests weakening buying pressure, a setup historically preceding corrections. XRP could face an initial pullback toward its 20-2W exponential moving average near $2.32 by September, representing a decline of over 25% from current prices. This level is notable as it approximates XRP's realized price over the past six months, essentially the average cost basis at which existing holders acquired their tokens during that period. Despite these signals, some technical analysts remain optimistic about XRP's price potentially rising to as high as $10 in the coming months. Readers are advised to conduct their own research before making investment decisions, as every investment and trading move involves risk.