ISO20022
Personally, I bet on these 3 and #Cardano
I hope I'm not wrong, and although for many there is only Bitcoin... the reality is that Bitcoin is far from my reach and that of some others.
Unlike these currencies and some others of ISO20022, they are still within my reach, and if they rise over a long time, they could mean a great blessing for me and for many.
Just my opinion and reality.
Regards, community.