Lol you are taking a wrong point about that, ATH has been made when so many people were thinking if ripple will be adoption by so many banks and the fact it's not. R3 is a winner in the game and ripple is end. $1? im feeling doubt this one can reach that value again. 60 bucks are only for delusional person.
To burst the "banks will use XRP" bubble: no, they wont. Its pretty simple: who controls the flow of money owns the world. Banks wont simply give up their power and hand it over to Ripple because of "faster transactions and lower fees".
Additionally, Ripple still holds the majority of XRP themself, they would have an immense power if XRP would be used. Imagine bank A transfers billions of dollars to bank B and Ripple manipulates XRPs price with a single cent up or down.
I am sure there will be a CC used by banks in the near future, but that is definitly not a coin controled by a single company. I am sure Ripple knows that, too. Otherwise they wouldnt have built xCurrent the way it was.