Is there a stable path? It's simple: from now on, invest a portion of money every month to buy two coins.
One is undoubtedly BTC.
BTC has no controversy; its development history is there, its mass base is there, and consensus is placed first.
On another note, I personally recommend XRP.
Do you know ISO 20022? 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 ISO 20022, with its parent company, Ripple, even participating in the standard 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 and explore the universe. This reflects the changes and results of human wisdom updating countless times.
Let's talk about payment; it began with shells, gold and silver, then evolved to checks, cash, and passbooks, then bank cards, and later, with the rapid development of the internet and technological innovation, 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?
ISO 20022 has richer data structures, greater transparency, less intervention, and stronger, more comprehensive anti-fraud capabilities.
In November 2025, ISO will fully take over SWIFT; this transformation, if realized, would be extremely positive news for XRP.
Now let me tell you why I am optimistic about this coin:
1. 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 deeply integrated this protocol. RippleNet (Ripple's global payment network) achieves direct connectivity 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 intermediary costs.
Significance: Banks can directly access XRP liquidity within a compliant framework without needing to develop additional interfaces.
2. Data richness and compliance enhancement
ISO 20022 supports the transmission of structured data including transaction purposes, identities of both parties, and far exceeds the old SWIFT MT messages. XRP transactions can embed this metadata on-chain, meeting anti-money laundering (AML) and 'know your customer' (KYC) requirements, eliminating major barriers for financial institutions to adopt.
2. Market position and ecological expansion
1. The only cryptocurrency involved in standard formulation
Ripple is the only cryptocurrency enterprise with voting rights in the ISO 20022 standards organization, working alongside traditional financial giants like Visa and JPMorgan to formulate rules. This grants XRP a 'first-mover standard dividend', allowing it to dominate the integration direction of blockchain and traditional finance.
Case: When the Central Bank of Ukraine adopted Stellar (XLM) to build its digital currency, it chose its tech stack due to ISO compatibility. XRP has equivalent or even stronger policy integration capabilities.
2. Deepening cooperation with leading banks
Currently, over 72% of banks have completed their migration to ISO 20022 (such as Deutsche Bank and HSBC), and 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. Re-evaluation of price and investment logic
1. Expectations of liquidity premium
If XRP becomes a bridging tool for central bank digital currencies (CBDC) or a bank reserve asset (similar to a 'digital version of SDR'), its circulation demand will surge. After Trump's victory at the end of 2024, XRP skyrocketed from $0.6 to $3.2, partially reflecting the market's optimistic expectations for the fundamentals brought about 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 in financial institutions, settlement volumes, and the number of fiat channels. For example, RippleNet has covered over 70 countries and processes hundreds of billions of dollars in transactions annually.
Of course, there are also dangers; after all, investing is a gamble with the sea.
Although Ripple has reached a settlement with the U.S. SEC, there are still differences in some countries regarding the determination of 'securities attributes', which may affect local market access progress.
In terms of competitive technological alternatives, private chains (like JPM Coin) or new compliance protocols may divert demand, but XRP's openness and cross-chain capabilities (such as collaboration with Quant) remain differentiated barriers.
In the short term, the second half of 2025 will be a sprint period for banks migrating, which may increase XRP's adoption rate, with price volatility intensifying but trending upwards.
In the long term, if XRP becomes the foundational currency of the 'financial internet', it may replicate the ecological monopoly value of Visa and SWIFT.
