interesting KC...very interesting...that does put a different spin on things...does it not...
"...Assume everything goes according to plan. Ripple works with 100x more banks. The banks love using blockchain and xCurrent, then decide to take a chance on XRP through xRapid. They love xRapid and feel confident enough in it to process all of their transactions through it — even ones in the millions of dollars. SWIFT drops the ball hard and completely fails to innovate, losing all of their customers and shutting down.
You’re happy. There are more than $5 trillion dollars being transacted daily in XRP. The price of XRP should be to the moon. Right? Well, not necessarily.
The value of XRP is driven upwards by people holding the asset and believing it will be worth more in the future. Banks looking to move money across borders are not speculating. In fact, they have a disincentive to hold XRP, since they take on risk due to natural XRP volatility.
This means banks will hold XRP for the absolute minimum amount of time they can. And given the speed of the Ripple network; that time is 4 seconds. With banks — the actual users of XRP — not holding onto their coins, XRP’s market cap will decrease and EVEN AT SWIFT LEVELS will only result in approximately $230 million.
This is worlds apart from the current speculative value of $128 billion..."
Conclusion
"...Ripple is good, but XRP’s success for investors is an uphill battle.
First Ripple the company needs to do well. Since XRP is centralized, if Ripple dies so too does XRP..."
Market Data 
Markets 
AI
