"Ripple's xCurrent product does not use XRP, the company's native cryptocurrency."
XRP is centralized.
Exactly, this is just clickbait spreading fake news making n00b investors believe that xrp is actually going to be used by a bank. It is not, ripple is too volatile for banks to use. This is just centralised crypto that made some bankers extra money. Even in this dip - not worth buying, pick a proper altcoin instead