XRP cannot be printed, what if bank want to send $100 billion, that means XRP have to be $5 or above so banks can use XRP to send money with xRapid.
I think they will find a way to do it in case they adopte XRP as main currency, but the problem they may face is its
centralisation because the owners of Ripple can manipulate it as they want since they possess the big ℅