None of the products offered by Ripple use XRP. Ripple has 200+ partners and they all use Ripple's money transfer system but they don't use XRP. This is why no matter how many partners Ripple has, the price of XRP hardly ever goes up. Banks will not touch an unregulated cryptocurrency. When there is regulation, then you will begin to see a change in prices. Here's a link to a twitter video that explains it differently
https://twitter.com/RippleXrpie/status/1163381276184862721I garee, this is the main reason XRP is not going up becasue the actual coins is not used for banking purposes and it wont be, banks cant use something so unregulated and speculative as crypto coin for their every day transfers. I even doubt that with regulation , it will make sense for banks to buy in.