Recently, I’ve been thinking about a question: why do some people still refuse to sell even when Bitcoin hits a new all-time high? This is what’s often called the hodler spirit. The word “hodler” has already become a kind of culture in the Bitcoin community. The traits of these people are very clear: no matter how volatile the market is or how dramatic the price swings are, they just keep their crypto assets and don’t move. Even if they have the opportunity to cash out at the highs and make millions, they can still hold back. To be honest, this takes very strong psychological resilience. Bitcoin’s value itself is inherently volatile, because it’s decentralized—its price is determined entirely by market supply and demand. Most people see prices surge and want to sell right away, but a real hodler wouldn’t do that. They choose to ignore short-term price fluctuations and wait patiently, keeping their focus on the long-term investment perspective. Judging by the current market, BTC’s latest quote is 82.28K USD, with a 24-hour gain of 1.78%; ETH is at 2.41K, up 1.52%; and XRP is also doing well at $1.45, up 3.34%. In this kind of mild upward trend, the advantage of hodlers really shows. They won’t rush to take profits just because of short-term gains; instead, they firmly believe that long-term holding is the right way. Think about it—if you started holding Bitcoin a few years ago and stuck to the hodler philosophy, when you look back now, the returns are truly impressive. That’s why more and more people are starting to understand and recognize the hodler culture. Instead of trading constantly, it’s better to find the assets you believe in, hold them long-term, and let time prove their value.

I've been seeing a lot of discussions lately about the ISO 20022 financial messaging standard, but it turns out it's also having a significant impact in the cryptocurrency world. Cryptocurrencies that comply with this standard, which SWIFT announced a few years ago, are actually quite limited. Bitcoin and Ethereum are not compatible with ISO 20022. This is because they were created in 2009 and 2015 respectively, before the standard was even announced. But what's interesting is that Ripple's XRP does support this standard. XRP was created in 2012, and since Ripple is a private company leading its development, they were able to implement support for ISO 20022. Unlike Bitcoin and Ethereum, where decisions are decentralized, XRP's structure allows a single company to make such changes. There are a total of eight known cryptocurrencies that are compliant with ISO 20022. These are XRP, Stellar's XLM, Cardano's ADA, Hedera's HBAR, Algorand's ALGO, Quant's QNT, as well as IOTA and XDC. XRP's performance is particularly notable. In October 2024, it was below $0.6, but then it surged and is now up to $1.45. Its all-time high was $3.80 in January 2018, which was driven by a speculative bubble, so this recent movement might have a different background. The rise of XRP in 2025 could be attributed to the fundamental support from ISO 20022 compliance being recognized. ADA is also gaining attention as a major ISO 20022-compliant cryptocurrency. It has risen to $0.27, but it hasn't yet reached its 2021 high of $3.09. Compared to XRP, the impact of ISO 20022 in 2025 might not be fully reflected yet. XLM is trading around $0.17, still far from its 2021 peak of $0.88. HBAR is at $0.09, but it seems to be starting a new upward trend from recent peaks. ALGO and IOTA are still facing tough conditions. ALGO has fallen significantly from its all-time high, and IOTA is in a similar situation. However, with 2025 approaching, there are some signs of recovery. ALGO is around $0.12, and IOTA seems to be gradually improving. QNT and XDC are showing different trends. QNT is currently below $120, while XDC remains relatively stable at around $0.03. Looking at this, it’s clear that ISO 20022 compliance is becoming a new investment theme in the crypto market. The fact that SWIFT needs to complete its transition to the new standard by 2025 might be a reason these coins are gaining attention. Trading activity for these ISO 20022-compliant cryptocurrencies is also increasing on Gate.io, so if you're interested, it might be worth checking them out.