It's one misconception that others think of. Because if it's for the banks, we can see them adopting it or those partnerships are actually using it.
I believe this is just the alibi that XRP developer wanting to do in order to attract investors but in reality, it's not.`Banks never put their reputation into at risk knowing that XRP can do less for them, people are confident with fiat and if they are choosing crypto they might be preferred to Bitcoin than altcoins.
We really don't know what they do until it's been said and shown by them. I don't really think that it's still or there's a need for them to prove it.
If we can't see it, then that's it.
XRP is a decentralized coin
Nope
XRP is centralized and it is the reason why many disliked it.