Is there a reliable path? It's quite simple. Starting now, invest a portion of money each month to buy two coins.
One is undoubtedly BTC.
BTC has no controversy; its development history is there, the public base is there, and consensus is prioritized.
In other words, I personally recommend XRP.
Do you know ISO 20022? It is a global standard for financial information exchange, and SWIFT finance has a history of four to five decades. XRP is one of the few cryptocurrencies compatible with ISO 20022, and its parent company, Ripple, even participated in the standard-setting.
Why mention these two? The future world is full of uncertainties, and the pace of human development is very fast, from crawling on the ground to walking upright, and now being able to fly and explore the universe in rockets. This reflects the changes and results of human wisdom being updated and iterated millions of times.
Talking about payments, it started with shells, gold and silver, then to tickets, cash, passbooks, bank cards, and later, with the rapid development of the internet, electronic payments emerged.
What if I said that one day in the future, the payment industry will undergo another revolution? Would you be willing to believe it?
ISO 20022 features richer data structures, transparency, less intervention, and stronger and more complete anti-fraud capabilities.
In November 2025, ISO will fully take over SWIFT, and if this transformation is implemented, it will be great news for XRP.
Now let me tell you why I am optimistic about this coin:
Technical integration and advantages of embedding in financial systems
1. [Seamless access to traditional financial reports]
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 serve as a 'bridge asset' for real-time settlement in cross-border payments, significantly reducing traditional transfer costs.
Significance: Banks can directly access XRP liquidity within a compliance framework without needing additional interface development.
2. [Rich data and strengthened compliance]
ISO 20022 supports the transmission of structured data including transaction purposes and the identities of both parties, far exceeding the old SWIFT MT messages. Metadata can be embedded in the XRP transaction chain to meet anti-money laundering (AML) and know your customer (KYC) requirements, eliminating major barriers to financial institution adoption.
2. Market position and ecological expansion
1. The only cryptocurrency participating in standard-setting
Ripple is the only cryptocurrency company with voting rights in the ISO 20022 standards body, collaborating with traditional financial giants like Visa and JPMorgan to set regulations. This gives XRP a 'first-mover standard advantage', allowing it to lead the integration of blockchain and traditional finance.
Case in point: When the Central Bank of Ukraine adopted Stellar (XLM) to build a digital currency, 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), and Ripple's partner institutions (such as Bank of America and Santander) can directly include XRP in their payment channels. Under the new standard, XRP's '3-second settlement + $0.0001 cost' advantage will attract more institutions to adopt it.
3. Reassessing prices and investment logic
1. Liquidity premium expectations
If XRP becomes a bridging tool for central bank digital currencies (CBDC) or a banking reserve asset (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, partially reflecting the market's optimistic expectations for the fundamentals triggered by the implementation of ISO 20022.
In comparison, non-ISO compliant currencies (like Bitcoin) may face bottlenecks in penetrating traditional financial scenarios.
2. Optimization of competitive landscape
Although multiple currencies (such as XLM, ALGO, ADA) claim to be compatible with ISO 20022, XRP significantly leads in actual penetration rates among financial institutions, settlement volumes, and the number of fiat currency channels. For example, RippleNet has covered over 70 countries and processes transactions worth hundreds of billions annually.
Of course, there are also risks, after all, investing is a gamble with the sea.
Although Ripple has reached a settlement with the SEC in the US, some countries still have differences in recognizing the 'securities nature,' which may affect the pace of local market access.
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 (like cooperation with Quant) still serve as differentiated barriers.
In the short term, the second half of 2025 may see a surge in bank migration, potentially increasing XRP adoption rates, with price volatility intensifying but trends moving upwards.
In the long run, if XRP becomes the foundational currency of the 'financial internet,' it may replicate the ecological monopoly value of Visa and SWIFT.
Just personal advice, please invest rationally and take risks on your own.
