This is where the risk in XRP the token comes in and the rewards are so huge. If large banks use XRP the token to transfer large sums of money from one bank to another they will need to buy up large sums of XRP the token.

If XRP the technology is used, but banks decide not to use XRP the token then the currency is virtually worthless except for the fact that people will be left bag holding.

This is why investing in XRP tokens are so risky.