This is running purely on the belief that it will be implemented by the banks. And i have a family member who is an analyst in a European bank and he confirmed to me that there is actual talk about the Ripple tech and how they might need to adapt to it. So i am getting the feeling that the rumors are true, even tho this is exactly the opposite of what we want from cryptos.
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it is already being implemented. . https://ripple.com/ripple_press/ten-financial-institutions-join-ripples-global-payments-network/
Yes you are right. The bank i am thinking of is not that list. I think that release is just the first of many many more..