You know that banks will never the existing ripple coins? Even if they accept ripple into their money transfer system. Ripple is going with pure speculation, that's why I don't take risk by buying ripple. There are many other options in the market, better ones than ripple.
Slowly I get tired of mentioning it over and over again:
MoneyGram, the second largest provider of money transfers on this planet (https://en.wikipedia.org/wiki/MoneyGram), is testing xRapid. xRapid is running with XRP (with the ripple coin, yes) and with nothing else.
And there are always better solutions on the market. That's true. But there is no other solution in this economic sector that is already so intensively integrated. Ripple has such a big lead at the moment that it seems quite likely that they will win the race.
And the bigger the impact of ripples solutions on the market is, the more economic agents will use these solutions. Once small and medium sized onlineshops will start getting into the ripple network, what do you think, they will use? An own ledger? Never. Too expensive. They - as direct link to the customers - will use xRapid, too. This will enable low-cost, highly secure and fast payments for customers with XRP and further on easy, cost-saving transactions for this market participant.
XRP is for the public. And the bigger the ripple-system grows behind the scene, the more usecases for XRP are coming up. Because I, you, everyone as customer and private person, will never have an own ledger. Our gate to everything where ripple solutions are involved, will be:
XRP.
Regards!
McW