I'd love to get into a conversation about XRP if it would help clarify some points for you. For starters, I think it's important to note that I said XRP was useless, not the Ripple blockchain, which has great merit. In short, the banks do not need XRP to benefit from Ripple's blockchain tech. Important to remember that cryptocurrencies are not the same thing as blockchain.
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Umm actually you obviously know a LITTLE about it - but not enough. read up about Nostro/Vostro and then you will understand why XRP on the XRAPID network is ideal for non-optimised currency pairs (which is the low hanging fruit that they are targetting). The XRAPID environment (development tools and network) is just a trojan horse to get them in the door, XRP is the end game
Please read up on http://willbanksusexrp.com/