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They are all working on coins of their own, a Japanese bank launched its own coin yesterday... so that's where were headed, what with the SWIFT consortium working intensely on creating an alternative to Ripple - banks don't accept outsiders IF THEY DON'T HAVE TO, because they need some bailing-out. So in that connection you might be correct about the discount ;)
In fact however, banks couldn't care less about the price of Ripple as they needn't buy it, only use it. It is a transfer token.