Is there a stable path? It's simple: from now on, start investing a portion of money every month to buy two coins.

One thing is undoubtedly true.

Bitcoin has no controversy; its development history is there, its mass base is there, and consensus is the top priority.

As for the other point, my personal suggestion is...

Do you know about ISO 20022? It is a global standard for financial information exchange. SWIFT finance has been around for four to five decades, and XRP is one of the few cryptocurrencies compatible with ISO 20022, with its parent company Ripple even participating in standard setting.

Why mention these two? The future is full of uncertainties, and human development is progressing at an astonishing rate. From crawling on the ground to walking upright, and now flying in planes and riding rockets to explore the universe, this reflects countless updates and changes brought about by human wisdom.

Let's talk about payments again. Initially, shells, gold and silver were used, then notes, cash, and passbooks, followed by bank cards. Later, with the rapid development of the internet, electronic payments emerged.

What 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 features richer data structures, transparency, less intervention, and stronger, more complete anti-fraud capabilities.

In November 2025, ISO will fully take over SWIFT. If this transformation is realized, it would be a huge positive for XRP.

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

1. Technical integration and advantages of embedding in the financial system

1. 【Seamless integration with traditional financial reports】

ISO 20022 is the new standard language for data exchange among global financial institutions, and XRP is deeply integrated with this protocol. RippleNet (Ripple's global payment network) connects directly with banking systems (like SWIFT) through the ISO 20022 XML format, 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 utilize XRP liquidity within a compliance framework without the need for additional interface development.


2. 【Richness of data and strengthened compliance】

ISO 20022 supports the transmission of structured data including transaction purposes and 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 for financial institutions to adopt it.

2. Market position and ecological expansion

1. The only cryptocurrency involved in standard setting

Ripple is the only cryptocurrency company with voting rights in the ISO 20022 standards organization, working alongside traditional financial giants like Visa and JPMorgan to establish rules. This grants XRP a 'first-mover advantage' in setting the direction for the integration of blockchain with traditional finance.

Case: The Central Bank of Ukraine adopted Stellar (XLM) to build its digital currency, choosing its tech stack due to ISO compatibility. XRP has equivalent or even stronger policy interface capabilities.


2. Deepening collaboration with leading banks

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


3. Re-evaluation of prices 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 soared from $0.6 to $3.2, partially reflecting the market's optimistic expectations for the fundamentals triggered by the implementation of ISO 20022.

Comparison: Non-ISO compliant currencies (like Bitcoin) may face bottlenecks in penetrating traditional financial scenarios.


2. Optimized competitive landscape

Although multi-currency (like XLM, ALGO, ADA) claims compatibility with ISO 20022, XRP significantly leads in actual penetration rates among financial institutions, settlement volumes, and the number of fiat channels. For example, RippleNet has covered over 70 countries, processing hundreds of billions in transactions annually.


Of course, there are risks involved, after all, investing is a gamble with the ocean.

Although Ripple has reached a settlement with the U.S. SEC, some countries still have differing views on the 'securities nature', which may affect the progress of market access in certain regions.

In terms of technological substitutive competition, private chains (like JPM Coin) or new compliant protocols may divert demand, but XRP's openness and cross-chain capabilities (such as collaboration with Quant) still serve as differentiated barriers.


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

In the long run, if XRP becomes the foundational currency of the 'financial internet', it may re-establish the ecological monopoly value of Visa and SWIFT.

Thank you for watching. Click on the avatar to follow Xiao Xu! I hope my experience and lessons will help you avoid detours and double your assets!

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