[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

[@dr_charlie_ward](/creator/tiktok/dr_charlie_ward)
"November 22nd isn't just another date. It marks the end of SWIFT and the rise of ISO 20022 a global upgrade to the financial system. Banks worldwide will no longer rely on outdated messaging protocols. From now on only assets that speak the ISO 20022 language will move within the system. This is about integration not speculation. XRP XLM HBAR ALGO QNT IOTA and XDC these are the chosen protocols that align with the future of real-time transparent and cross-border settlements. Still relying on centralised exchanges Move your crypto. Own your keys. Control your future. This isn't just theory"  
[TikTok Link](https://www.tiktok.com/@dr_charlie_ward/video/7561719642524290312) [@dr_charlie_ward](/creator/tiktok/dr_charlie_ward) 2025-10-16T07:34Z 15.6K followers, 164.4K engagements


"#viral #fyp #typp #xrparmy #cryptonews"  
[TikTok Link](https://www.tiktok.com/@dr_charlie_ward/video/7560532064265620754) [@dr_charlie_ward](/creator/tiktok/dr_charlie_ward) 2025-10-13T02:45Z 15.6K followers, 1213 engagements


"#viral #fyp #usa #xrp #xlm"  
[TikTok Link](https://www.tiktok.com/@dr_charlie_ward/video/7552336564978732295) [@dr_charlie_ward](/creator/tiktok/dr_charlie_ward) 2025-09-21T00:43Z 15.6K followers, 2409 engagements


"#viral #fyp #ripple #xrparmy #xrpfamily"  
[TikTok Link](https://www.tiktok.com/@dr_charlie_ward/video/7562928792948280584) [@dr_charlie_ward](/creator/tiktok/dr_charlie_ward) 2025-10-19T13:46Z 15.6K followers, XXX engagements


"#viral #ripple #typpp #cryptoday #fyp"  
[TikTok Link](https://www.tiktok.com/@dr_charlie_ward/video/7563094270320725255) [@dr_charlie_ward](/creator/tiktok/dr_charlie_ward) 2025-10-20T00:28Z 15.6K followers, 6919 engagements