Ripple was made to replace swift for transfer within large banking systems. Ripple Has been trying to replace swift for 5 years.
I wouldn't be surprised if XRP has another pump in it, but of all coins in the top 10 this is the #1 coin that can be worth ZERO in 5-10 years. Once its game plan is destroyed by whatever else banking decides to use why the hell would anyone own a single xrp.
Ripple investors from the beginning banked on the naivety and/or stupidity that someone will buy XRP at 1000 of percent over actual price.
Ripple investors gets xrp for $0.008 the sells it for $0.2.
Banks build there own competing Database
Project Ubin (Just copied the code ) and or project jasper. Banks are in the business of charging fees not paying them, or relying on little johnny having a couple of xrp, lol.
At some stage Inflation will catch up with this database operating company (proven not a blockchain technology)
To keep pace with Bitcoin 25 million xrp would need to to be added to circulating supply every day, less the 2 million on average is sold.
Next Month 80% of all Bitcoins will be on the market.
Even if all banks choose to "work with Ripple" a single xrp worth $ 1 would work just fine.