I utterly disagree. The JPM coin is hilarious. There is no tech to back it up, there is barely even any need to use blockchain for what they're doing. The old argument gets raised every now and again: 'banks will use the ripple tech but not XRP, they will use their own coin instead' - this doesn't make much sense. XRP is the native coin to the ledger, and the only native coin. Sure a bank could use it's own coin, but why? Where is the competitive advantage?