This won’t answer your question but just some points to bring up:
Bob Way, former employee of Ripple said when XRP started going up past a dollar, they started calling Ripple with interest in XRP
I don’t think most banks will be able to hold xrp in their portfolios at this time for speculative investment. Too many restrictions on what they can hold. Now if they actually start using it for utility that could all change.
Arthur Britto and David Schwartz started Polysign to provide custodial services of digital assets. When David is asked about the project he says he is very excited but not allowed to say anymore.
I’m sure you have heard about banks potentially tapping into MoneyGram for their crossboarder services if they can’t hold xrp.
I also see a time when banks my create their own digital wallets for their banking customers to store their crypto. Banks can start to form banking products around crypto as new revenue streams.
And the Fednow that was announced is probably some hubrid version of ripplenet and some other technologies. The key thing is it will be interoperable with ripple net and can still tap into the for xRapid services. Fednow needs to speed up our domestic payments and replace ACH. So it makes sense to have its own system. Xrp is a bridge currency that can still be used by the fed for international remittances and exchanging between different fiats and digital assets
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