banks are not using xrp and xrp is overvalued ..........
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...
Cool. I think banks are very interested on Ripple's technology and the blockchain system but as we know banks are creepy and want to control as much as possible. In the future after having good experiences using crypto technology they will be developing their won. But fuck them. That time Ripple will be very big and influential already.