IT IS BEGINNING, XRP AND XLM

Stellar is an open network for storing and moving money.
https://www.stellar.org/

ISO 20022 Crypto: List of Compliant Coins in 2023.
https://www.cryptopolitan.com/iso-20022-compliant-crypto-list/

XRP Vs. Stellar – What’s the Difference?
https://www.securities.io/xrp-vs-stellar/