Thank you @joelkatz. I have been researching XRP for a while now. I appreciate your insider explanations.

Based on what you say here, it is clear that the success of the Ripple network is much easier than XRP. It is much easier to convince a bank to use a fast, cheap and secure network than to convince it to buy a volatile cryptocurrency. Isn't it ?

Can you please give us any info about the banks' interest in XRP (the coin not the network) ?