when all is said and done and they get 70% of banks and FI's( tens of thousands), and then the merchants, companies who want instant payment, etc...That will be easily hundreds of thousands of companies accepting it for payment, then paying their bills with it. Were looking at a market cap way over 1 trillion.
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The way I've heard it explained is few to no banks are actually using Ripple, they are doing testing or doing it on a small scale. The way I heard it explained is the head of tech at a bank says were working with Ripple, even though they aren't really adopting it it's a small test. He gets to pad his resume and say hey I brought crypto to XYZ bank even though they never really plan on using it. Why do you think Ripple will be used for payments over other cryptos?