I wan't be so sure. Bank system will change in future and it will be more acceptable for banks to adopt the Ripple and any other kind of coin.
Coalition of banks and crypto is not an easy task, but where is the profit everything is possible.
No bank, by law, is able to use a volatile security such as Ripple for clients monetary transfers.
This kind of asset class would require a securities brokerage license and is not elligable for FDIC coverage, which all major banks are required to comply with.
https://www.fdic.gov/regulations/laws/rules/6500-500.html#fdic65001005.3§ 1005.3 Coverage.
(c) Exclusions from coverage. The term "electronic fund transfer" does not include:
(4) Securities and commodities transfers. Any transfer of funds the primary purpose of which is the purchase or sale of a security or commodity, if the security or commodity is:
(i) Regulated by the Securities and Exchange Commission or the Commodity Futures Trading Commission.
Sorry but no bank is going to be using XRP for money transfers. This is simply false and illegal.