Ok I get it about Bitcoin and I really like xrp too. The big banks are working on all kinds of blockchain projects and the ones they support will probably depend on the bank.
With Facebook, Apple, Amazon and Google all coming out with their own coins backed by billions of dollars it will be quite the fight. All of them want to be the world's digital currency. Of course the feds are also working on their own crypto.
But I think most banks will be using IBM's blockchain for money transfer. I forget the name of it, it's not stellar lumen but something that doesn't have a crypto coin.