I'm not sure I follow your reasoning against Ripple's XRP. Banks will be reluctant to use a third party? Isn't SWIFT, the product that Ripple is aiming to replace, a third party?
Two points:
Even if, say, Bank of America creates their own chain, what is the incentive for Citi or HSBC to use it? I feel like a third party expert has an easier sell.
While I agree that no business really wants to rely on a third party, I feel like FI greed will win out. One competitor using Ripple's xRapid would have a substantial leg up. There would be pressure for others to join.
BTW, great videos. One of my few YouTube subs that I have on push notification. Thank you.
There is no reason for banks to use Ripple with it's $177 billion total market cap (counting all 100 billion coins). They can build their own for much less and control the whole thing, just like they did with the Visa network before it was spun out.