if banks were to never touch XRP, XRP would still survive. why?

- you need to use xrp to transact on the RCL (as an anti-spam measure).
- ripple has enabled cross border payments and the ability to trade/send different currencies (ie. XRP:ETH, etc), on the RCL / ILP.
- ripple is gaining more mainstream adoption regardless. see photo below:



i believe banks will adopt XRP to some degree. why? because a business is all about making $. if banks are able to make more money by saving money on operational costs, they will go that route. it's not rocket science...