Big/medium banks are never going to use Ripple, theyre only trying it out and will drop it then make their own technology (not de-centralized!)
Blockchain will change how we send money, but not through banks. Theyre completely against de-centralized control of financial system. We need blockchain solutions like Kora (
https://bitcointalk.org/index.php?topic=2876521.0) that are person to person and small business to small business
The fact is that the XRP is a centralized coin. And if you were interested in the history of the creation of the Ripple, you would know that more than half of the coins are with the developers. I am sure that this technology will eventually be sold along with a controlling stake of coins. It makes no sense to invent something that already exists.