First of all, great post. I agree with you, this coin is based of my research a coin created by the banks. My belief is that it is allowed because it allows banks to quickly transfere money by the click of a button in contrast to how it used to be with a 2-3 day transfere time. I think this is a attempt to overthrow bitcoin and put their coin on top. This coin will be regulated and allow them to retake control from us, the people. Also they have no cap on quantity, meaning that it is a inflationary coin where they will just as cash, print more if needed.