Shared ground
This paragraph links three realities: (1) visible love provides a basis for knowing one belongs to “the truth” (v.19), (2) that assurance addresses inner self-condemnation by pointing to God’s greater knowledge (v.20), and (3) confidence before God shows itself in prayer that is connected to keeping God’s (vv.21–22). The “command” is then summarized as trusting Jesus Christ and loving one another (v.23). Abiding is described as mutual remaining—believers in God and God in them—and is recognized “by the Spirit” God gave (v.24).
Where interpretation differs
How “whatever we ask, we receive” works (v.22). Some read it as a broad promise of answered prayer for those who truly keep God’s commands. Others read it as a promise that assumes the requests themselves are shaped by God’s will—so “receive” is tied to asking in line with what pleases God.
What it means to “persuade/quiet our hearts” (v.19). Some take it mainly as calming a tender conscience through the evidence of lived love. Others hear a stronger sense: reasoned reassurance that one really belongs to God, even when feelings or self-judgment fluctuate.
What “believe in the name” emphasizes (v.23). Some stress personal trust in Jesus. Others stress public allegiance/loyalty to who Jesus is. The verse supports both ideas, since “name” often refers to the person and standing of Jesus Christ.
Why the disagreement exists
The passage uses broad, compressed phrases (“by this,” “whatever we ask,” “believe in the name”) without spelling out all conditions. It also holds together inner experience (“heart condemns”) and outward conduct (love in action, keeping commands), which invites different ways of explaining how assurance and prayer relate.
What this passage clearly contributes
It explicitly presents active love as a concrete marker that supports assurance (vv.19–20). It explicitly teaches that self-condemnation is not the final word because God’s knowledge is greater than the heart’s verdict (v.20). It explicitly connects boldness toward God with a life oriented to God’s commands and pleasure (vv.21–22), and it explicitly summarizes God’s command as trust in Jesus Christ together with mutual love (v.23). Finally, it explicitly presents the Spirit given by God as the way believers know God remains in them (v.24).