Is the path to wealth stable? It's simple. Start now by investing a portion of your money every month to buy two coins.

One is undoubtedly Bitcoin (BTC).

There is no controversy with BTC; its development history is there, the public foundation is there, and consensus is prioritized.

As for the other one, I personally suggest XRP.

Do you know about ISO20022? It is a global standard for financial information exchange. SWIFT has a history of four to five decades, and XRP is one of the few cryptocurrencies compatible with ISO20022. The company behind it, Ripple, even participated in the standard's formulation.

Why mention these two? The future world is full of uncertainties, and human development is very rapid. From crawling on the ground to walking upright, and now being able to fly with the clouds and ride rockets to explore the universe, this is the result of countless updates and changes in human wisdom.

Let's talk about payments. In the earliest days, shells and gold and silver were used, then tickets, cash, bankbooks, and bank cards. Later, with the rapid development of the internet and technological innovations, electronic payments emerged.

If I say that one day in the future, the payment industry will undergo another revolution, would you be willing to believe it?

ISO20022 has richer data structures, greater transparency, less intervention, and stronger and more complete fraud prevention capabilities.

In November 2025, ISO will fully take over SWIFT. If this reform is implemented, it will be a great boon for XRP.

Now, let me tell you why I am optimistic about this coin:

1. Advantages of technological integration and embedding in financial systems.

1. 【Seamless integration with traditional financial reporting】

ISO 20022 is the new standard language for data exchange among global financial institutions, and XRP has been deeply integrated with this protocol. RippleNet (Ripple's global payment network) connects directly with banking systems (such as SWIFT) through the XML format of ISO 20022, allowing XRP to act as a 'bridge asset' for real-time settlement in cross-border payments, significantly reducing traditional transit costs.

Significance: Banks can directly access XRP liquidity within the compliance framework without needing to develop additional interfaces.



2. 【Richness of data and enhanced compliance】

ISO 20022 supports the transmission of structured data including transaction purposes and party identities, far exceeding the old SWIFT MT messages. Metadata can be embedded in XRP transaction chains to meet anti-money laundering (AML) and know your customer (KYC) requirements, eliminating major barriers to adoption by financial institutions.



2. Market position and ecological expansion.

1. The only cryptocurrency involved in standard formulation.

Ripple is the only cryptocurrency company with voting rights in the ISO 20022 standards body, working with traditional financial giants like Visa and JPMorgan to establish rules. This gives XRP a 'first mover standard dividend' and can lead the direction of the integration between blockchain and traditional finance.

Case Study: When the Central Bank of Ukraine constructed a digital currency using Stellar (XLM), it chose its technology stack due to ISO compatibility. XRP has equal or even stronger policy integration capabilities.



2. Deepening cooperation with leading banks.

Currently, over 72% of banks have completed the migration to ISO 20022 (such as Deutsche Bank and HSBC). Ripple's partner institutions (like Bank of America and Santander) can directly incorporate XRP into their payment channels. Under the new standard, XRP's '3-second settlement + $0.0001 cost' advantage will attract more institutions to adopt it.



3. Reevaluation of price and investment logic.

1. Expectations of liquidity premium.

If XRP becomes a bridge tool for central bank digital currencies (CBDCs) or a reserve asset for banks (similar to a 'digital SDR'), its circulation demand will surge. After Trump's victory at the end of 2024, XRP soared from $0.6 to $3.2, reflecting some market optimism about the basic fundamentals driven by the implementation of ISO 20022.

In contrast, non-ISO compliant currencies (like Bitcoin) may face penetration bottlenecks in traditional financial scenarios.



2. Optimization of competitive landscape.

Although multiple currencies (like XLM, ALGO, ADA) claim to be compatible with ISO 20022, XRP significantly outperforms in actual penetration rates among financial institutions, settlement scales, and the number of fiat channels. For example, RippleNet has covered over 70 countries and processes transactions worth hundreds of billions annually.



Of course, there are also risks involved, as investment is a game with the ocean.

Although Ripple has reached a settlement with the U.S. SEC, there are still disagreements in some countries regarding the 'securities nature,' which may affect the pace of market access in certain areas.

In terms of competitive technological substitution, private chains (like JPM Coin) or new compliance protocols may divert demand, but XRP's openness and cross-chain capabilities (such as cooperation with Quant) remain differentiated barriers.



In the short term, the sprint period for banks to migrate in the second half of 2025 may boost XRP adoption rates, leading to increased price volatility but an upward trend.

In the long term, if XRP becomes the foundational currency of the 'financial internet,' it could recreate the ecological monopoly value of Visa and SWIFT.

This is just personal advice; please invest rationally and take risks at your own discretion.#币安HODLer空投ERA $BTC