Those are not real crypto-currencies. Those are just digital versions of the fiat currency, similar to Paypal or Skrill. A crypto-currency should be decentralized. It can't be issued by any central bank.
Well, Ripple is centralized and many people call it a revolutionary cryptocurrency which will be widely used in the future. I am not surprised that so many banks started working with them. In order to create a new XRP address, you have to pay 20 XRP. Your account might be frozen anytime without any warning. Some countries such as Estonia and the Switzerland might create their own
decentralized cryptocurrencies since they understand what it is all about.