reason number 2 doesn't mean anything at all apart from some social media hype that may or may not help the pump. and the other 3 reasons you are separating from each other are basically the same thing. and they are all repeating the same old false hype about Ripple partnership with X number of banks! the funny thing is that these banks have never even be interested in XRP and they have always discarded it as fast and hard as they could and instead they took the technology for themselves!
none of these are a reason for such a huge pump of XRP. we will surely see pumps of this useless coin but to have such a huge pump we need the same scenarios as last year with a lot of pumps and lot of newbies coming in so that we can steal their moneyz.
You are clearly one of those people who like to hate on XRP just because of its association with banks which is seriously silly in my honest opinion. XRP is easily one of the most popular cryptocurrencies in the crypto world for a long time and it has proven itself as a legit crypto coin many times before, but it still gets undermined from time to time. I do not think we will see $10 by the end of this year like op claimed, but I think that it can reach $4 by the end of this year if the market rallies like crazy like last December. Am HODLING all my XRP at the moment and am not planning to sell any of it anytime soon.
as you can see from the past 3 months performance of XRP, it has been losing value. i hope for your sake that you haven't been HODLING all your XRPs!
it has nothing to do with hate, it is just the fact that a centralized altcoin has no place in this world specially when it is created and fully controlled by a centralized shady company. if a merchant wants a centralized digital money they will use PayPal as they are doing now, they will never even look at XRP as an option in a million years.
add to that the fact that it has 100 billion premined supply and you can see how its price should decline in the long term.