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•Although there is a long list of very respectable banks that are planning to use Ripple, according to the Financial Times most of them are still on the testing stage.
The few who transact real money use the platform but not the token. So, perhaps banks “are not that into Ripple”.
•It can freeze your transactions. The biggest example of this is when Jed McCaleb, founder of Ripple Labs, tried to sell more than a million dollars worth of Ripple. The transaction was reversed. There are rumors that Jed breached the contract, but even though, the very possibility of freezing a transaction is against basic cryptocurrency principles.