The key question is whether it will replace SWIFT. That is enough. The rest will follow on its own. Regards

About XRP. Questions and Answers !! Don't you see this as too easy, that Ripple, Banks, and Government want to make us millionaires? with 6,000,000 million wallets of XRP? Well, I do and a lot. Is it true that XRP is the currency of the banks? false premise. banks never work for anyone, they are investors or partners from the start. some big ones in the US already have platforms and stablecoins. In Europe, ECB. UBS, B.England, and 30 banks including Santander (partner and investor in XRP) have joined (Clearmatic) to create a platform (more modern technologically (LTD). fast and secure for banks) hiring the best experts and advised for improvements (r3corda, Ethereum, Litecoin) and associated with Fnality leader in stablecoins (USC their currency) and tokens. the source is their website and X @fnality. China and others already have and are testing in Europe. Ripple is financed with XRP and sells every month and has years left still. But their bet is RLusd. the latest purchases confirm it. another question, Where do you think the ETFs will go? tokens bonds.. etc by XRP or Rlusd? is XRP dispensable and can it be separated if banks do not adopt it? and if the demand or some law harms XRP? what will Ripple do? XrpL platform will be used and a lot. I was an enthusiast of XRP and a small investor. But since prices of the year I started to distrust. I believe that banks have betrayed Ripple and this is changing strategy too. Time will tell. I hope I'm wrong. but just in case I diversify my portfolio with utility coins that are not associated with stablecoins. XLM. HBAR. IOTA ALGO. XDC. etc